IFSC Code of State Bank of India, Hosdurg Kanhangad Branch, Kerala

Below are the complete branch details for State Bank of India, HOSDURG KANHANGAD branch, located in CANNUR, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0070402. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case SBIN0070402 for State Bank of India – HOSDURG KANHANGAD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for State Bank of India – HOSDURG KANHANGAD is SBIN0070402. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 070402 map to this branch in CANNUR, KERALA.

About State Bank of India

State Bank of India operates a wide network of branches across India, including the Hosdurg Kanhangad branch in Cannur. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, SBIN0070402.

Branch details at a glance

About this branch

The branch is located at PBNO13,MAINROAD,KANHANGADPO671315HOSDURGATSBTCOIN. It serves the Cannur region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of State Bank of India. The IFSC SBIN0070402 is used to identify this branch on the RBI payments network.

Why every State Bank of India branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including HOSDURG KANHANGAD of State Bank of India — its own 11-character IFSC. The code SBIN0070402 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC SBIN0070402 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Hosdurg Kanhangad branch is mapped to IFSC SBIN0070402 on the RBI payments network. The branch generally supports the full retail product catalogue of State Bank of India, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains SBIN0070402.

Products and services

Customers walking into the Hosdurg Kanhangad branch can access most of State Bank of India'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 SBIN0070402

How to transfer money using IFSC SBIN0070402

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 SBIN0070402 across all three.

How to use IFSC SBIN0070402 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's HOSDURG KANHANGAD 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC SBIN0070402.
4. Confirm the bank name auto-populates as State Bank of India and the branch as HOSDURG KANHANGAD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to HOSDURG KANHANGAD

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's HOSDURG KANHANGAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0070402 while initiating the transfer and the credit will appear within minutes.

IMPS to State Bank of India HOSDURG KANHANGAD (IFSC SBIN0070402)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0070402 in your mobile or internet banking app, and the money is credited to the HOSDURG KANHANGAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Hosdurg Kanhangad

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC SBIN0070402:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at HOSDURG KANHANGAD is still linked to IFSC SBIN0070402.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC SBIN0070402

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 State Bank of India – HOSDURG KANHANGAD is still mapped to IFSC SBIN0070402. 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 SBIN0070402 and the beneficiary's account number to complete the transfer.

Online banking and IFSC SBIN0070402

State Bank of India customers can register for net banking and the bank's official mobile app once their account at the HOSDURG KANHANGAD branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC SBIN0070402 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by State Bank of India carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC SBIN0070402 and the account number together uniquely identify the Hosdurg Kanhangad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to State Bank of India – HOSDURG KANHANGAD:

• The IFSC is exactly SBIN0070402 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills State Bank of India as the bank name and HOSDURG KANHANGAD as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Reaching the branch

The Hosdurg Kanhangad branch sits at PBNO13,MAINROAD,KANHANGADPO671315HOSDURGATSBTCOIN. If you are travelling from outside Cannur, search for the branch on a maps application using the bank name and locality, or call 467-2204115 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 SBIN0070402 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SBIN0070402 for State Bank of India – HOSDURG KANHANGAD, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Hosdurg Kanhangad are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to SBIN0070402 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SBIN0070402 is the IFSC code of State Bank of India, HOSDURG KANHANGAD branch, in CANNUR, KERALA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.