IFSC Code of Kerala Gramin Bank, Vadasserikkara Branch, Kerala

Below are the complete branch details for Kerala Gramin Bank, VADASSERIKKARA branch, located in PATHANAMTHITTA, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is KLGB0040313. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case KLGB0040313 for Kerala Gramin Bank – VADASSERIKKARA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Kerala Gramin Bank – VADASSERIKKARA is KLGB0040313. The first four letters KLGB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 040313 map to this branch in PATHANAMTHITTA, KERALA.

Branch details at a glance

About the bank

Kerala Gramin Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Vadasserikkara branch in Pathanamthitta, Kerala is part of this network and uses the IFSC code KLGB0040313 for all electronic settlement.

Vadasserikkara branch overview

Located at VADASSERIKKARA THAZHATHILLATHUBUILDING,CHITTARROADP.O.VADASSERIKKARA PATHANAMTHITTA DT,PIN 689662, the Vadasserikkara branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KLGB0040313 is required for all interbank electronic transfers routed through this branch.

Why every Kerala Gramin Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including VADASSERIKKARA of Kerala Gramin Bank — its own 11-character IFSC. The code KLGB0040313 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC KLGB0040313 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC KLGB0040313

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC KLGB0040313 across all three.

NEFT to Kerala Gramin Bank, VADASSERIKKARA using IFSC KLGB0040313

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC KLGB0040313, and confirm that the system picks up Kerala Gramin Bank – VADASSERIKKARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to VADASSERIKKARA

If you need to transfer ₹2 lakh or more in one go to an account at Kerala Gramin Bank's VADASSERIKKARA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KLGB0040313 while initiating the transfer and the credit will appear within minutes.

IMPS to Kerala Gramin Bank VADASSERIKKARA (IFSC KLGB0040313)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KLGB0040313 in your mobile or internet banking app, and the money is credited to the VADASSERIKKARA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC KLGB0040313 for Kerala Gramin Bank – VADASSERIKKARA, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Vadasserikkara branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Kerala Gramin Bank's VADASSERIKKARA branch, the IFSC KLGB0040313 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the Vadasserikkara branch is mapped to IFSC KLGB0040313 on the RBI payments network. The branch generally supports the full retail product catalogue of Kerala Gramin Bank, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains KLGB0040313.

Products and services

Customers walking into the Vadasserikkara branch can access most of Kerala Gramin Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC KLGB0040313

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Kerala Gramin Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC KLGB0040313 and the account number together uniquely identify the Vadasserikkara branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Vadasserikkara branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC KLGB0040313 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Common mistakes to avoid when using IFSC KLGB0040313

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Kerala Gramin Bank – VADASSERIKKARA, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: KLGB0040313.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Reaching the branch

The Vadasserikkara branch sits at VADASSERIKKARA THAZHATHILLATHUBUILDING,CHITTARROADP.O.VADASSERIKKARA PATHANAMTHITTA DT,PIN 689662. If you are travelling from outside Pathanamthitta, search for the branch on a maps application using the bank name and locality, or call 4735-252330 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC KLGB0040313 and your account number.

Verifying IFSC KLGB0040313 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm KLGB0040313 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 4735-252330.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Vadasserikkara are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to KLGB0040313 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KLGB0040313 belongs to Kerala Gramin Bank's VADASSERIKKARA branch, located at VADASSERIKKARA THAZHATHILLATHUBUILDING,CHITTARROADP.O.VADASSERIKKARA… in PATHANAMTHITTA, KERALA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.