Kerala Gramin Bank Pandikkad IFSC Code
Kerala Gramin Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Pandikkad
District
Malappuram
State
Kerala
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Other Kerala Gramin Bank Branches in Malappuram
4 nearby branches — click to view IFSC
Head Office (a K Road P O - 0101)
Kgb Towers,a K Road,p.o.malappuram,pin 676505
Karuvarakundu (karuvarakundu P.o.tharis - 0104)
Karuvarakundu P.o.tharis,malappuram Dt,pin 676573
Thirunavaya (thirunavaya Famacomplex - 0105)
Thirunavaya Famacomplex,kuttippuramroad,p.o.thirunavaya Malappuram Dt,pin 676301
Pulamanthole (pulamanthole Bus Stand Build - 0106)
Pulamanthole Bus Stand Buildingp.o.pulamanthole Malappuram Dt,pin 679323
Frequently Asked Questions
About Kerala Gramin Bank Pandikkad (pandikkad P.o.pandikkad Mala - 0188), Malappuram
The IFSC code KLGB0040188 (lowercase: klgb0040188) belongs to Kerala Gramin Bank, specifically the Pandikkad (pandikkad P.o.pandikkad Mala - 0188) branch located in Malappuram, Kerala.
The 5th character in the IFSC code KLGB0040188 is a zero (0), not the letter 'O'. The correct format is KLGB0040188 (lowercase: klgb0040188), and not KLGBO040188. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Kerala Gramin Bank Pandikkad (pandikkad P.o.pandikkad Mala - 0188) in Malappuram, Kerala is KLGB0040188. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Kerala Gramin Bank Pandikkad (pandikkad P.o.pandikkad Mala - 0188) is located at Pandikkad P.o.pandikkad Malappuram Dt,pin 676521, Malappuram, 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 Pandikkad (pandikkad P.o.pandikkad Mala - 0188) is 676480058. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code KLGB0040188 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 KLGB0040188 by checking: (1) The top-left corner of any Kerala Gramin Bank Pandikkad (pandikkad P.o.pandikkad Mala - 0188) 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: KLGB0040188
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
Swipe to see all
KLGB0040188
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 — 040188
- The final 6 characters 040188 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 | 040188 | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
Swipe left to view full cheque
Kerala Gramin Bank
Pandikkad (pandikkad P.o.pandikkad Mala - 0188), Malappuram, Kerala
Cheque No.
00040188
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 | KLGB0040188 | 676480058 |
| 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.