Kerala Gramin Bank IFSC Code and MICR Code
Find Kerala Gramin Bank IFSC Code, MICR Code and branch details for NEFT, RTGS & IMPS transactions.
Kerala Gramin Bank IFSC Code and MICR CodeFind Kerala Gramin Bank IFSC Code, MICR Code and branch details for NEFT, RTGS & IMPS transactions.
Kerala Gramin Bank IFSC Code Finder - Select Your StateIFSC or the ‘Indian Financial System Code’ is an 11-digit code consisting of alphanumeric characters. The Reserve Bank of India provides it to every branch of a bank present in India. Your Kerala Gramin Bank IFSC code is the unique identification code assigned to your branch.
The sole purpose of this code is the identification of your branch. It facilitates several online fund transfer methods and, at the same time, ensures complete security. The IFSC code plays a crucial role in tracking and acknowledging the origin and destination branch of a transaction and routing communication throughout the time.
The MICR code on your cheque leaf is another code used for processing, verifying, and clearing cheques. Your bank issues it. If you want to be completely informed about all the aspects of these codes, how to find them, and use them in transactions, keep reading the article.
Your Kerala Bank IFSC code will help you complete successful transactions online and offline in a quick and secured system. It is mandatory for electronic payment methods like NEFT, RTGS or IMPS, etc., and using it helps to avoid any inconvenience or mishaps while making payments. RBI monitors your transactions using this code.
The code format is always ‘ABCD0123456,’ where the first four letters indicate the bank’s name, the fifth digit is always a zero, and the following six characters represent the branch code. To complete a successful payment, you will require both the IFSC codes of your branch and the respective branch of your beneficiary.
MICR code used by banks is also a unique code printed on the cheque using the Magnetic Ink Character Recognition or MICR technology. It is used in the process of identifying and clearing cheques.
It's a 9-digit code where the initial three digits represent the city name, and these digits are aligned with the PIN code, which is usually used for postal addresses in India. The next three digits indicate the bank, and the last three digits represent your branch.
You will be able to find the MICR code printed on the bottom next to the cheque number on your cheque leaf.
You should always have your IFSC and MICR codes as they are very important for the identification and processing of payments. These codes provide you information about the origination of payments and designation of the respective branch. RBI uses these codes to keep track of transactions in order to prevent fraudulent activities.
Several ways to find your Kerala Gramin Bank IFSC code and MICR code-
Find Your Bank, an online website, provides you with several services. You can find your IFSC and MICR code easily on the website by following a simple process.
➔ Go to the website: https://findyourbank.in/
➔ Fill up the following details-
➔ Click ‘Enter’
With just a click, you will get your respective codes. To make the search easier, Find Your Bank also has a mobile app that is accessible anywhere and anytime. It helps you find your IFSC and MICR code easily in a moment of time.
Your Kerala Gramin Bank IFSC code and MICR code are printed on your passbook and cheque book. You can find it on the bottom or top of the first page of your passbook or on the cheque leaf.
The official website of RBI also stores information about the IFSC and MICR codes of all the banks and their branches. You can visit the website and obtain the required code easily.
These codes can also be acquired through the Net banking or mobile banking facility of Kerala Gramin Bank by logging in to the respective online portal and mobile banking application.
Contact the customer care number of Kerala Gramin Bank if none of the above options work out.
Kerala Gramin Bank NEFT, RTGS, and IMPS are online payment methods. They facilitate easy fund transfers across banks and individuals. Your Kerala Gramin Bank IFSC code helps in processing these services. For a successful fund transfer, you will need-
National Electronic Fund Transfer or NEFT is an easy online money transfer service developed by the Reserve Bank of India. This service carries out the transfer in batches and is based on the DNS or Deferred Net Settling system. Details of Kerala Gramin Bank NEFT transfer:
| Timings | Available during business hours |
| Charges applicable |
Rs. 2.50/- on payments up to and inclusive of Rs. 10000 Rs. 5.00/- on payments above Rs.10000, up to and inclusive of Rs. 1 lakh Rs.15.00/- on payments above Rs. 1 lakh, up to and inclusive of Rs. 2 lakhs. Rs.25.00/- on transfer above Rs. 2 lakhs. |
| Settlement | Batches of 24 hours |
| Maximum and Minimum limits | No limits imposed |
GST applicable.
This payment method has settlements in real-time, i.e., at the time of receipt itself, and it is based on a gross system. Payments made through this mode are irrevocable. It is usually opted for higher amounts.
| Timings | During business hours |
| Charges applicable |
For transactions up to Rs.5.00 lakh, the charges could vary from Rs.25/-, Rs. 26/- to Rs.30/- depending on the time of payment. |
| Settlement | Real-time |
| Minimum and maximum limit |
The minimum limit is Rs. 2 lakhs There is no maximum limit |
To make payments through NEFT and RTGS services, you simply need to login to the online banking service of Kerala Gramin Bank with your bank credentials and select the appropriate fund transfer option. Once you select the service type, input the details and complete the transaction. Make sure you read the terms and conditions before checking the box.
Offline NEFT service is also available. You just need to approach your nearest branch for guidance.
IMPS is a fast fund transfer method available at all times throughout the year, even on bank holidays. To transfer money successfully through IMPS, you need to use the internet or mobile banking service of Kerala Gramin Bank. You will require the following credentials:
| Timings |
Available any time |
| Settlement | Instant and Real-time |
| Transaction limit |
Daily outward IMPS transaction limit of Rs. 50,000/- Monthly limit of Rs. 5 lakhs |
|
Minimum and maximum limits |
No charges |
To avail of the IMPS service of Kerala Gramin Bank, you have to visit the Kerala Gramin Bank’s mobile application and log in with your credentials. Click on the ‘IMPS’ option from the Transfer Money/Fund Transfer menu and insert the credentials mentioned above. You will require a passcode to verify the transaction, which will be provided to you during the transfer.
After you verify the payment, you will be sent an affirmation text message along with your transaction number implying that your transaction is complete. The transaction number provided to you helps in keeping track of the transaction and in raising any issues in the future if some inconvenience occurs.
To receive money through IMPS, you need to provide the sender required details. IMPS is a very popular method as it can be accessed at any time, and the transactions are instant.
Kerala Gramin Bank, established in the year 2013, is an RRB or Regional Rural Bank based in Kerala. It was incorporated as an amalgamation of two other RRBs, namely South Malabar Gramin Bank and North Malabar Gramin Bank.
Kerala Bank is focused on the upliftment of people from all sections of Kerala. They provide several services with regards to the betterment of agriculture, microbusinesses, education, housing, weaker and backward sections, etc.
Kerala Gramin Bank branches are spread all over the state and in every corner in order to make it accessible to everyone. It has provided reliable, customized, satisfactory services to its customers throughout the years.
Kerala Gramin Bank also has Savings and Current deposit account types:
| SB plus |
Eligibility: Resident individuals and others specifically permitted by RBI. Age above 18 years. Formal documents required: Identification proof like Aadhar, Pan, Drivers License, etc.; Address proof; 2 Passport size photograph. |
| SB account |
Eligibility: Resident individuals and others specifically permitted by RBI. Age above 18 years. Formal documents required: Identification proof like Aadhar, Pan, Drivers License, etc.; Address proof; 2 Passport size photograph. |
| KGB Selfie |
Eligibility: Resident individuals and others specifically permitted by RBI. Age above 18 years. Formal documents required: Identification proof and Address proof. You can open this account through the mobile app by just clicking a selfie. No minimum balance is required. |
| Junior Savings account |
Eligibility: Children aged 18 years or below, Those below 10, will require a guardian for authorization. Formal documents required: Identification proof like Aadhar, Pan, Drivers License, etc.; Address proof; 2 Passport size photograph. No minimum balance is required. |
| Basic Savings Bank account |
Eligibility: Resident individuals and others specifically permitted by RBI. Age above 18 years. Formal documents required: Identification proof like Aadhar, Pan, Drivers License, etc.; Address proof; 2 Passport size photograph. No minimum balance is required. |
| BSB (Small savings scheme) |
Eligibility: Any resident individual (sole or joint). Age above 18 years. Formal documents required: Identification proof like Aadhar, Pan, Drivers License, etc.; Address proof; 2 Passport size photograph. No minimum balance is required. |
For detailed information on current deposits, click here.
Yes, KGB is a completely reliable, customer-centric bank. It provides secured services to the customers. You will always be given all the information you require on an inquiry. Your transactions are continuously monitored to ensure that the services are safe and hassle-free.
Your Kerala Gramin Bank IFSC Code is necessary to make payments through NEFT, RTGS, and other methods. It is required for identification purposes.
No, you cannot make transactions abroad through NEFT.
MMID is the Mobile Money Identifier code. It's a seven-digit number issued by your respective bank for the customers registered on Mobile banking. MMID code is required to complete an IMPS transaction.
RTGS payments are settled individually, and it operates throughout the RTGS business hours in a real-time manner. On the other hand, NEFT is processed in batches. Payments through NEFT are settled in half-hourly batches, usually from 8 a.m to 7 p.m on bank working days.
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