IFSC Code of State Bank of India, Chalakudy Town,Thrissur Branch, Kerala

Use this page as a one-stop reference for everything related to State Bank of India's CHALAKUDY TOWN,THRISSUR branch in CHALAKUDY, KERALA. The branch's IFSC code SBIN0008602 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For State Bank of India's CHALAKUDY TOWN,THRISSUR branch, the IFSC SBIN0008602 breaks down as follows: SBIN identifies the bank, 0 is the reserved character, and 008602 identifies this particular branch.

About State Bank of India

State Bank of India operates a wide network of branches across India, including the Chalakudy Town,Thrissur branch in Chalakudy. 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, SBIN0008602.

About the Chalakudy Town,Thrissur branch

The Chalakudy Town,Thrissur branch of State Bank of India is situated at P.B.NO.29,VELLANIKARENS BLDGS DOOR NO.XIII BY 601,CHALAKUDY,THRISSUR. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code SBIN0008602 is used.

Branch details at a glance

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 State Bank of India's CHALAKUDY TOWN,THRISSUR branch came to be assigned the code SBIN0008602.

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 SBIN0008602, money simply cannot be routed to the CHALAKUDY TOWN,THRISSUR branch electronically.

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 SBIN0008602 and the account number together uniquely identify the Chalakudy Town,Thrissur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC SBIN0008602

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 SBIN0008602 across all three.

NEFT to State Bank of India, CHALAKUDY TOWN,THRISSUR using IFSC SBIN0008602

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC SBIN0008602, and confirm that the system picks up State Bank of India – CHALAKUDY TOWN,THRISSUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SBIN0008602

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 State Bank of India – CHALAKUDY TOWN,THRISSUR, ensure your bank's portal accepts IFSC SBIN0008602 while registering the beneficiary. RTGS is also available 24x7.

IMPS to State Bank of India CHALAKUDY TOWN,THRISSUR (IFSC SBIN0008602)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0008602 in your mobile or internet banking app, and the money is credited to the CHALAKUDY TOWN,THRISSUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Chalakudy Town,Thrissur

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 SBIN0008602:

• 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 CHALAKUDY TOWN,THRISSUR is still linked to IFSC SBIN0008602.

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 SBIN0008602

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 – CHALAKUDY TOWN,THRISSUR is still mapped to IFSC SBIN0008602. 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 SBIN0008602 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Chalakudy Town,Thrissur branch is mapped to IFSC SBIN0008602 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 SBIN0008602.

Products and services

Customers walking into the Chalakudy Town,Thrissur 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 SBIN0008602

Online banking and IFSC SBIN0008602

State Bank of India customers can register for net banking and the bank's official mobile app once their account at the CHALAKUDY TOWN,THRISSUR 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 SBIN0008602 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.

Reaching the branch

The Chalakudy Town,Thrissur branch sits at P.B.NO.29,VELLANIKARENS BLDGS DOOR NO.XIII BY 601,CHALAKUDY,THRISSUR. If you are travelling from outside Chalakudy, search for the branch on a maps application using the bank name and locality, or call 480-2701378 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 SBIN0008602 and your account number.

Common mistakes to avoid when using IFSC SBIN0008602

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 State Bank of India – CHALAKUDY TOWN,THRISSUR, 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: SBIN0008602.
• 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.

Working hours

Branch counters at Chalakudy Town,Thrissur 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 SBIN0008602 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SBIN0008602 for State Bank of India – CHALAKUDY TOWN,THRISSUR, 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.

Branch address & contact

Frequently asked questions

Final notes

To recap: SBIN0008602 is the IFSC code of State Bank of India, CHALAKUDY TOWN,THRISSUR branch, in CHALAKUDY, 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.