IFSC Code of Kerala Gramin Bank, Thrissur Branch, Kerala

Below are the complete branch details for Kerala Gramin Bank, THRISSUR branch, located in THRISSUR, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is KLGB0040261. 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 KLGB0040261 for Kerala Gramin Bank – THRISSUR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, KLGB0040261 is the IFSC of Kerala Gramin Bank's THRISSUR branch. The format is fixed: KLGB = bank code, 0 = reserved, 040261 = branch identifier.

About the bank

Kerala Gramin Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Thrissur branch in Thrissur, Kerala is part of this network and uses the IFSC code KLGB0040261 for all electronic settlement.

About the Thrissur branch

The Thrissur branch of Kerala Gramin Bank is situated at THRISSURMAIN SREEKRISHNANTOWERS,NADUVILALMGROAD,THRISSUR DT,PIN 680001. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code KLGB0040261 is used.

Branch details at a glance

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Kerala Gramin Bank's THRISSUR branch came to be assigned the code KLGB0040261.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC KLGB0040261, money simply cannot be routed to the THRISSUR branch electronically.

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 KLGB0040261 and the account number together uniquely identify the Thrissur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KLGB0040261

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 KLGB0040261 across all three.

How to use IFSC KLGB0040261 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kerala Gramin Bank's THRISSUR branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC KLGB0040261.
4. Confirm the bank name auto-populates as Kerala Gramin Bank and the branch as THRISSUR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC KLGB0040261

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Kerala Gramin Bank – THRISSUR, ensure your bank's portal accepts IFSC KLGB0040261 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Kerala Gramin Bank – THRISSUR, use IMPS. With IFSC KLGB0040261 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC KLGB0040261 for Kerala Gramin Bank – THRISSUR, 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 Thrissur 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 THRISSUR branch, the IFSC KLGB0040261 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 Thrissur branch is mapped to IFSC KLGB0040261 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 KLGB0040261.

Banking services available

The Thrissur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 487-2334053.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC KLGB0040261

Online banking and IFSC KLGB0040261

Kerala Gramin Bank customers can register for net banking and the bank's official mobile app once their account at the THRISSUR branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC KLGB0040261 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Reaching the branch

The Thrissur branch sits at THRISSURMAIN SREEKRISHNANTOWERS,NADUVILALMGROAD,THRISSUR DT,PIN 680001. If you are travelling from outside Thrissur, search for the branch on a maps application using the bank name and locality, or call 487-2334053 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 KLGB0040261 and your account number.

Common mistakes to avoid when using IFSC KLGB0040261

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 – THRISSUR, 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: KLGB0040261.
• 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.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Thrissur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KLGB0040261, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KLGB0040261 for Kerala Gramin Bank – THRISSUR, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KLGB0040261 belongs to Kerala Gramin Bank's THRISSUR branch, located at THRISSURMAIN SREEKRISHNANTOWERS,NADUVILALMGROAD,THRISSUR DT,PIN 680001 in THRISSUR, 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.