IFSC Code of State Bank of India, Karunagappally, Kollam Branch, Kerala

This page lists the IFSC code, branch address, contact number and fund-transfer information for State Bank of India, KARUNAGAPPALLY, KOLLAM branch in KARUNAGAPALLY. The 11-digit IFSC SBIN0004405 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with State Bank of India at the KARUNAGAPPALLY, KOLLAM location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 – KARUNAGAPPALLY, KOLLAM is SBIN0004405. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004405 map to this branch in KARUNAGAPALLY, KERALA.

Bank profile

State Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Karunagappally, Kollam branch — IFSC SBIN0004405 — extends the bank's services to customers in and around Karunagapally, Kerala.

Branch details at a glance

About the Karunagappally, Kollam branch

The Karunagappally, Kollam branch of State Bank of India is situated at MARKET.ROAD,KARUNAGAPALLY,DIST.KOLLAM,STATE.KERALA,PIN.690518.. 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 SBIN0004405 is used.

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 KARUNAGAPPALLY, KOLLAM branch came to be assigned the code SBIN0004405.

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 SBIN0004405, money simply cannot be routed to the KARUNAGAPPALLY, KOLLAM branch electronically.

Products and account variants supported

Every account opened at the Karunagappally, Kollam branch is mapped to IFSC SBIN0004405 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 SBIN0004405.

Products and services

Customers walking into the Karunagappally, Kollam 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 SBIN0004405

How to transfer money using IFSC SBIN0004405

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 SBIN0004405 across all three.

How to use IFSC SBIN0004405 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's KARUNAGAPPALLY, KOLLAM 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 SBIN0004405.
4. Confirm the bank name auto-populates as State Bank of India and the branch as KARUNAGAPPALLY, KOLLAM.
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 KARUNAGAPPALLY, KOLLAM

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's KARUNAGAPPALLY, KOLLAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0004405 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to State Bank of India – KARUNAGAPPALLY, KOLLAM, use IMPS. With IFSC SBIN0004405 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC SBIN0004405 for State Bank of India – KARUNAGAPPALLY, KOLLAM, 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.

For most retail customers crediting the Karunagappally, Kollam 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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at State Bank of India's KARUNAGAPPALLY, KOLLAM branch, the IFSC SBIN0004405 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Digital banking channels

Most day-to-day work that customers used to do at the Karunagappally, Kollam 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 SBIN0004405 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.

MICR & cheque-truncation details

Cheques drawn on the Karunagappally, Kollam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0004405 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – KARUNAGAPPALLY, KOLLAM:

• The IFSC is exactly SBIN0004405 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 KARUNAGAPPALLY, KOLLAM 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 Karunagappally, Kollam branch

The branch is located at MARKET.ROAD,KARUNAGAPALLY,DIST.KOLLAM,STATE.KERALA,PIN.690518., which puts it inside Karunagapally, the broader Kollam district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “State Bank of India Karunagappally, Kollam branch” — the verified location pin for IFSC SBIN0004405 should appear at the top of the results.
2. Confirm the branch is open by calling 476-2623101 before stepping out, especially around public holidays.
3. 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 SBIN0004405 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SBIN0004405 for State Bank of India – KARUNAGAPPALLY, KOLLAM, 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 Karunagappally, Kollam 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 SBIN0004405 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SBIN0004405 is the IFSC code of State Bank of India, KARUNAGAPPALLY, KOLLAM branch, in KARUNAGAPALLY, 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.