KOTTAYAM, KERALA
IFSC Code
KLGB0040536
MICR Code
686480002
Branch
KOTTAYAM
Bank
Kerala Gramin Bank
District
KOTTAYAM
State
KERALA
Contact
+91481570194
Address
PULIMOOTTIL ARCADE,K.K.ROAD,P.O.MUTTAMBALAM,KOTTAYAM,KERALA,PIN 686004
NEFT (National Electronic Funds Transfer) lets you send money to any account at Kerala Gramin Bank's KOTTAYAM branch from any other bank in India. Transfers are processed in half-hourly batches, so funds usually reach the recipient within a couple of hours, and there's no minimum or maximum amount restriction from RBI's side.
For amounts of ₹2 lakh or more sent to an account at Kerala Gramin Bank, KOTTAYAM, RTGS is usually the better choice over NEFT — each transaction settles on its own in real time instead of waiting in a batch.
IMPS (Immediate Payment Service) is the fastest of the three — funds move to KOTTAYAM within seconds, any time of day including bank holidays. It's typically capped at ₹5 lakh per transaction depending on your bank's own limits.
A distinction that matters if you're transferring to KOTTAYAM: the RBI settlement system runs 24x7 for NEFT and RTGS, but that doesn't mean this specific branch is open around the clock. Online transfers process any time; in-person or cash-based requests still depend on the branch actually being open.
| Method | System Hours | If Visiting KOTTAYAM In Person |
|---|---|---|
| NEFT | 24x7x365, including weekends and holidays (RBI mandate since 16 Dec 2019) | Online/net-banking NEFT processes any time. An in-branch, cash, or cheque-based NEFT request still depends on that branch's working hours. |
| RTGS | 24x7x365, including weekends and holidays (RBI mandate since 14 Dec 2020) | Minimum transfer amount is ₹2 lakh. Same system-vs-branch-hours distinction as NEFT applies for in-person requests. |
| IMPS | 24x7x365 — always has been, no banking-hours restriction at the system level. | Typically capped per transaction depending on your bank's own limits (often around ₹5 lakh). |
The IFSC code for Kerala Gramin Bank's KOTTAYAM branch in KOTTAYAM, KERALA is KLGB0040536. This 11-character code is required for NEFT, RTGS, and IMPS transfers to any account held at this branch.
The MICR code for this branch is 686480002. MICR codes are used for cheque clearing, while the IFSC code (KLGB0040536) is what's needed for electronic transfers like NEFT and RTGS.
This branch is located at: PULIMOOTTIL ARCADE,K.K.ROAD,P.O.MUTTAMBALAM,KOTTAYAM,KERALA,PIN 686004. It falls under KOTTAYAM district, KERALA.
Yes — the same IFSC code (KLGB0040536) is used for NEFT, RTGS, and IMPS transfers to this branch. Which one you should pick depends on the amount and urgency, not the code itself: RTGS for ₹2 lakh+ needing near-instant settlement, NEFT for regular batch-processed transfers, and IMPS for smaller amounts that need to land in seconds.
Yes, this branch's listed contact number is +91481570194.
IFSC and MICR code data sourced from bank-published branch records. While we take care to keep this current, always confirm the IFSC code with your bank before making a large transfer — see our disclaimer for details.