Kerala Gramin Bank Kallikkad IFSC Code
Kerala Gramin Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Kallikkad
District
Kallikkad
State
Kerala
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Frequently Asked Questions
About Kerala Gramin Bank Kallikkad (thoppil Complex Kallikkad Ma - 0717), Kallikkad
The IFSC code KLGB0040717 (lowercase: klgb0040717) belongs to Kerala Gramin Bank, specifically the Kallikkad (thoppil Complex Kallikkad Ma - 0717) branch located in Kallikkad, Kerala.
The 5th character in the IFSC code KLGB0040717 is a zero (0), not the letter 'O'. The correct format is KLGB0040717 (lowercase: klgb0040717), and not KLGBO040717. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Kerala Gramin Bank Kallikkad (thoppil Complex Kallikkad Ma - 0717) in Kallikkad, Kerala is KLGB0040717. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Kerala Gramin Bank Kallikkad (thoppil Complex Kallikkad Ma - 0717) is located at Thoppil Complex Kallikkad Mailakkara P.o.trivandrum, Kallikkad, Kerala. You can click the "View on Google Maps" button on this page to get directions.
The MICR (Magnetic Ink Character Recognition) code of Kerala Gramin Bank Kallikkad (thoppil Complex Kallikkad Ma - 0717) is 695480037. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code KLGB0040717 is valid for all three RBI-regulated transfer modes: NEFT (settled in 30-minute batches, no minimum), RTGS (real-time, minimum ₹2 lakh), and IMPS (instant, up to ₹5 lakh). All modes are available 24×7×365 as per RBI guidelines issued in December 2019.
You can verify IFSC code KLGB0040717 by checking: (1) The top-left corner of any Kerala Gramin Bank Kallikkad (thoppil Complex Kallikkad Ma - 0717) cheque leaf, (2) The first page of your Kerala Gramin Bank passbook, (3) Your net banking or mobile banking app under "Branch Details", or (4) The RBI's official IFSC lookup at rbi.org.in.
Understanding IFSC Code: KLGB0040717
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
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KLGB0040717
What Each Part Means
- Bank Code — KLGB
- The first 4 characters uniquely identify Kerala Gramin Bank at the national level. Every branch of Kerala Gramin Bank across all states shares this same prefix. It is assigned by the RBI and never changes.
- Reserved — 0
- The 5th character is always 0 (zero), reserved by the RBI for future use. It acts as a separator between the bank identifier and the branch-specific code and is mandatory in all electronic fund transfer systems.
- Branch Code — 040717
- The final 6 characters 040717 uniquely identify this specific branch within the Kerala Gramin Bank network. No two branches share the same branch code. Use this code to verify you have the correct branch before initiating any NEFT, RTGS, or IMPS transfer.
| Segment | Chars | Value | Purpose |
|---|---|---|---|
| Bank Code | 1–4 | KLGB | Identifies Kerala Gramin Bank |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 040717 | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
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Kerala Gramin Bank
Kallikkad (thoppil Complex Kallikkad Ma - 0717), Kallikkad, Kerala
Cheque No.
00040717
A/c No.
Authorised Signatory
IFSC vs MICR — Functional Comparison
Two different codes, two different banking systems
| Feature | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Length & Format | 11 characters — alphanumeric | 9 digits — numeric only |
| This Branch | KLGB0040717 | 695480037 |
| Primary Use | Electronic fund transfers: NEFT, RTGS, IMPS, UPI | Physical cheque clearing at clearing houses |
| Medium | Digital / online — no physical document needed | Printed in magnetic ink on cheque leaf bottom band |
| Processing Speed | Real-time (IMPS/UPI) or 30-min batches (NEFT) | T+1 or T+2 clearing cycle via RBI clearing houses |
| Where to Find It | Cheque leaf (top area), passbook first page, net banking | Bottom band of cheque leaf (the printed magnetic strip) |
| Assigned By | RBI — permanent unless branch is relocated/merged | RBI — encodes city (3) + bank (3) + branch (3) digits |
| Required For | Adding a payee / beneficiary for online transfer | Cheque book issuance and clearing house processing |
Source: Reserve Bank of India (RBI) Payment Systems Guidelines. IFSC mandatory for NEFT/RTGS/IMPS since 2010; MICR used by CTS-2010 standard cheque clearing.