Below are the complete branch details for State Bank of India, KALARCODE branch, located in KALARCODE, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0012874. 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 SBIN0012874 for State Bank of India – KALARCODE — 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 – KALARCODE is SBIN0012874. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 012874 map to this branch in KALARCODE, KERALA.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Kalarcode |
| IFSC Code | SBIN0012874 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VENICE SQUARE,AMC 31 BY 13 E AND F,PAZHAVEEDUPO,ALAPPUZHA |
| City | Kalarcode |
| District | Palakkad |
| State | Kerala |
| STD Code | 477 |
| Phone | 2268027 |
About State Bank of India
State Bank of India operates a wide network of branches across India, including the Kalarcode branch in Kalarcode. 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, SBIN0012874.
Kalarcode branch overview
Located at VENICE SQUARE,AMC 31 BY 13 E AND F,PAZHAVEEDUPO,ALAPPUZHA, the Kalarcode branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0012874 is required for all interbank electronic transfers routed through this branch.
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 KALARCODE branch came to be assigned the code SBIN0012874.
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 SBIN0012874, money simply cannot be routed to the KALARCODE branch electronically.
How to transfer money using IFSC SBIN0012874
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 SBIN0012874 across all three.
NEFT to State Bank of India, KALARCODE using IFSC SBIN0012874
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 SBIN0012874, and confirm that the system picks up State Bank of India – KALARCODE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC SBIN0012874
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 – KALARCODE, ensure your bank's portal accepts IFSC SBIN0012874 while registering the beneficiary. RTGS is also available 24x7.
IMPS to State Bank of India KALARCODE (IFSC SBIN0012874)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0012874 in your mobile or internet banking app, and the money is credited to the KALARCODE branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SBIN0012874 for State Bank of India – KALARCODE, 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 – SBIN0012874 | Yes – SBIN0012874 | Yes – SBIN0012874 |
For most retail customers crediting the Kalarcode 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 SBIN0012874
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 – KALARCODE is still mapped to IFSC SBIN0012874. 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 SBIN0012874 and the beneficiary's account number to complete the transfer.
Account types you can open at the Kalarcode branch
Once you have an account at State Bank of India – KALARCODE, the IFSC SBIN0012874 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.
Banking services available
The Kalarcode branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 477-2268027.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC SBIN0012874
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 SBIN0012874 and the account number together uniquely identify the Kalarcode branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC SBIN0012874
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the KALARCODE 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 SBIN0012874 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.
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 – KALARCODE:
- The IFSC is exactly SBIN0012874 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 KALARCODE 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.
How to reach the Kalarcode branch
The branch is located at VENICE SQUARE,AMC 31 BY 13 E AND F,PAZHAVEEDUPO,ALAPPUZHA, which puts it inside Kalarcode, the broader Palakkad district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “State Bank of India Kalarcode branch” — the verified location pin for IFSC SBIN0012874 should appear at the top of the results.
- Confirm the branch is open by calling 477-2268027 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC SBIN0012874 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC SBIN0012874 for State Bank of India – KALARCODE, 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 Kalarcode 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 SBIN0012874 continue to work without interruption.
Branch address & contact
State Bank of IndiaKalarcode Branch
VENICE SQUARE,AMC 31 BY 13 E AND F,PAZHAVEEDUPO,ALAPPUZHA
Kalarcode, Kerala
Phone: 477-2268027
IFSC: SBIN0012874
Frequently asked questions
Can I use IFSC SBIN0012874 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0012874 to send funds instantly.
How quickly will an NEFT transfer using SBIN0012874 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Kalarcode reflect within 30 minutes.
How do I add State Bank of India Kalarcode as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0012874, and complete OTP verification. Once activated, you can transfer funds at any time.
Does State Bank of India Kalarcode branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 477-2268027 to confirm.
Where is State Bank of India Kalarcode branch located?
State Bank of India's Kalarcode branch is located at VENICE SQUARE,AMC 31 BY 13 E AND F,PAZHAVEEDUPO,ALAPPUZHA, Kalarcode, Kerala.
What is the IFSC code of State Bank of India Kalarcode branch?
The IFSC code of State Bank of India, Kalarcode branch is SBIN0012874. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC SBIN0012874 valid for NEFT and RTGS?
Yes. IFSC SBIN0012874 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC SBIN0012874 the same for all accounts at Kalarcode branch?
Yes. The IFSC SBIN0012874 is shared by every account held at State Bank of India's Kalarcode branch. Only the account number changes from customer to customer.
Summary
The IFSC code SBIN0012874 belongs to State Bank of India's KALARCODE branch, located at VENICE SQUARE,AMC 31 BY 13 E AND F,PAZHAVEEDUPO,ALAPPUZHA in KALARCODE, 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.
