IFSC Code of Kerala Gramin Bank, Malayankeezhu Branch, Kerala

This page lists the IFSC code, branch address, contact number and fund-transfer information for Kerala Gramin Bank, MALAYANKEEZHU branch in TRIVANDRUM. The 11-digit IFSC KLGB0040372 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Kerala Gramin Bank at the MALAYANKEEZHU location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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, KLGB0040372 is the IFSC of Kerala Gramin Bank's MALAYANKEEZHU branch. The format is fixed: KLGB = bank code, 0 = reserved, 040372 = branch identifier.

About Kerala Gramin Bank

Kerala Gramin Bank operates a wide network of branches across India, including the Malayankeezhu branch in Trivandrum. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, KLGB0040372.

Malayankeezhu branch overview

Located at AAIKZUKRISAGIRIBUIDIGS,AAIKZU PO ,TRIVADRU695571, the Malayankeezhu branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KLGB0040372 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 MALAYANKEEZHU of Kerala Gramin Bank — its own 11-character IFSC. The code KLGB0040372 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 KLGB0040372 the same way you would treat your account number — verify it once and save it carefully for future use.

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 KLGB0040372 and the account number together uniquely identify the Malayankeezhu branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KLGB0040372

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 KLGB0040372 across all three.

NEFT to Kerala Gramin Bank, MALAYANKEEZHU using IFSC KLGB0040372

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 KLGB0040372, and confirm that the system picks up Kerala Gramin Bank – MALAYANKEEZHU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MALAYANKEEZHU

If you need to transfer ₹2 lakh or more in one go to an account at Kerala Gramin Bank's MALAYANKEEZHU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KLGB0040372 while initiating the transfer and the credit will appear within minutes.

IMPS to Kerala Gramin Bank MALAYANKEEZHU (IFSC KLGB0040372)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KLGB0040372 in your mobile or internet banking app, and the money is credited to the MALAYANKEEZHU branch account within seconds.

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

All three modes accept the IFSC KLGB0040372 for Kerala Gramin Bank – MALAYANKEEZHU, 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 Malayankeezhu 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 MALAYANKEEZHU branch, the IFSC KLGB0040372 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 Malayankeezhu branch is mapped to IFSC KLGB0040372 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 KLGB0040372.

Banking services available

The Malayankeezhu branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 471-2280009.

• 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 KLGB0040372

Digital banking channels

Most day-to-day work that customers used to do at the Malayankeezhu 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 KLGB0040372 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.

Reaching the branch

The Malayankeezhu branch sits at AAIKZUKRISAGIRIBUIDIGS,AAIKZU PO ,TRIVADRU695571. If you are travelling from outside Trivandrum, search for the branch on a maps application using the bank name and locality, or call 471-2280009 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 KLGB0040372 and your account number.

Common mistakes to avoid when using IFSC KLGB0040372

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 – MALAYANKEEZHU, 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: KLGB0040372.
• 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.

Working hours

Branch counters at Malayankeezhu 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 KLGB0040372 continue to work without interruption.

Verifying IFSC KLGB0040372 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 KLGB0040372 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 471-2280009.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KLGB0040372 belongs to Kerala Gramin Bank's MALAYANKEEZHU branch, located at AAIKZUKRISAGIRIBUIDIGS,AAIKZU PO ,TRIVADRU695571 in TRIVANDRUM, 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.