Use this page as a one-stop reference for everything related to Standard Chartered Bank's ERNAKULAM-GK ARCADE branch in ERNAKULAM, KERALA. The branch's IFSC code SCBL0036082 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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, SCBL0036082 is the IFSC of Standard Chartered Bank's ERNAKULAM-GK ARCADE branch. The format is fixed: SCBL = bank code, 0 = reserved, 036082 = branch identifier.
Branch details at a glance
| Bank Name | Standard Chartered Bank |
|---|---|
| Branch | Ernakulam-Gk Arcade |
| IFSC Code | SCBL0036082 |
| MICR Code | Refer to cheque leaf |
| Branch Address | G K ARCADE, GROUND FLOOR, |
| City | Ernakulam |
| District | Ernakulam |
| State | Kerala |
| STD Code | 422 |
| Phone | 2550589 |
Bank profile
Standard Chartered Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ernakulam-Gk Arcade branch — IFSC SCBL0036082 — extends the bank's services to customers in and around Ernakulam, Kerala.
About this branch
The branch is located at G K ARCADE, GROUND FLOOR,. It serves the Ernakulam region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Standard Chartered Bank. The IFSC SCBL0036082 is used to identify this branch on the RBI payments network.
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Standard Chartered Bank's ERNAKULAM-GK ARCADE branch came to be assigned the code SCBL0036082.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC SCBL0036082, money simply cannot be routed to the ERNAKULAM-GK ARCADE branch electronically.
How to transfer money using IFSC SCBL0036082
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 SCBL0036082 across all three.
How to use IFSC SCBL0036082 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Standard Chartered Bank's ERNAKULAM-GK ARCADE branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC SCBL0036082.
- Confirm the bank name auto-populates as Standard Chartered Bank and the branch as ERNAKULAM-GK ARCADE.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC SCBL0036082
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Standard Chartered Bank – ERNAKULAM-GK ARCADE, ensure your bank's portal accepts IFSC SCBL0036082 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Standard Chartered Bank ERNAKULAM-GK ARCADE (IFSC SCBL0036082)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SCBL0036082 in your mobile or internet banking app, and the money is credited to the ERNAKULAM-GK ARCADE branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SCBL0036082 for Standard Chartered Bank – ERNAKULAM-GK ARCADE, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – SCBL0036082 | Yes – SCBL0036082 | Yes – SCBL0036082 |
For most retail customers crediting the Ernakulam-Gk Arcade 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.
UPI payments and IFSC SCBL0036082
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Standard Chartered Bank – ERNAKULAM-GK ARCADE is still mapped to IFSC SCBL0036082. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC SCBL0036082 and the beneficiary's account number to complete the transfer.
Account types you can open at the Ernakulam-Gk Arcade branch
Once you have an account at Standard Chartered Bank – ERNAKULAM-GK ARCADE, the IFSC SCBL0036082 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Ernakulam-Gk Arcade branch can access most of Standard Chartered Bank's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC SCBL0036082
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Standard Chartered Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC SCBL0036082 and the account number together uniquely identify the Ernakulam-Gk Arcade branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Ernakulam-Gk Arcade 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 SCBL0036082 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.
Common mistakes to avoid when using IFSC SCBL0036082
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 Standard Chartered Bank – ERNAKULAM-GK ARCADE, 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:
SCBL0036082. - 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.
Reaching the branch
The Ernakulam-Gk Arcade branch sits at G K ARCADE, GROUND FLOOR,. If you are travelling from outside Ernakulam, search for the branch on a maps application using the bank name and locality, or call 422-2550589 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 SCBL0036082 and your account number.
Verifying IFSC SCBL0036082 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 SCBL0036082 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 422-2550589.
- Visiting the bank's official branch locator page.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Ernakulam-Gk Arcade branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SCBL0036082, however, work 24x7.
Branch address & contact
Standard Chartered BankErnakulam-Gk Arcade Branch
G K ARCADE, GROUND FLOOR,
Ernakulam, Kerala
Phone: 422-2550589
IFSC: SCBL0036082
Frequently asked questions
How do I add Standard Chartered Bank Ernakulam-Gk Arcade as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SCBL0036082, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Standard Chartered Bank Ernakulam-Gk Arcade branch located?
Standard Chartered Bank's Ernakulam-Gk Arcade branch is located at G K ARCADE, GROUND FLOOR,, Ernakulam, Kerala.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Ernakulam-Gk Arcade branch but serve different purposes.
Is IFSC SCBL0036082 valid for NEFT and RTGS?
Yes. IFSC SCBL0036082 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC SCBL0036082 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SCBL0036082 to send funds instantly.
What is the phone number of Standard Chartered Bank Ernakulam-Gk Arcade branch?
You can reach the branch at 422-2550589 during regular banking hours.
How quickly will an NEFT transfer using SCBL0036082 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Standard Chartered Bank – Ernakulam-Gk Arcade reflect within 30 minutes.
Summary
The IFSC code SCBL0036082 belongs to Standard Chartered Bank's ERNAKULAM-GK ARCADE branch, located at G K ARCADE, GROUND FLOOR, in ERNAKULAM, 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.
