Below are the complete branch details for State Bank of India, RACC KOLLAM branch, located in KOLLAM, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0064634. 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 SBIN0064634 for State Bank of India – RACC KOLLAM — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, SBIN0064634 is the IFSC of State Bank of India's RACC KOLLAM branch. The format is fixed: SBIN = bank code, 0 = reserved, 064634 = branch identifier.
About the bank
State Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Racc Kollam branch in Kollam, Kerala is part of this network and uses the IFSC code SBIN0064634 for all electronic settlement.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Racc Kollam |
| IFSC Code | SBIN0064634 |
| MICR Code | Refer to cheque leaf |
| Branch Address | RACC KOLLAM,PB 69,FIRST FLOOR AMMAVEETIL BUILDINGS,CUTCHERRY P O,KOLLAM 691013 |
| City | Kollam |
| District | Kollam |
| State | Kerala |
| STD Code | 474 |
| Phone | 9446362298 |
About this branch
The branch is located at RACC KOLLAM,PB 69,FIRST FLOOR AMMAVEETIL BUILDINGS,CUTCHERRY P O,KOLLAM 691013. It serves the Kollam 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 SBIN0064634 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 RACC KOLLAM of State Bank of India — its own 11-character IFSC. The code SBIN0064634 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 SBIN0064634 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Racc Kollam branch
Once you have an account at State Bank of India – RACC KOLLAM, the IFSC SBIN0064634 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 Racc 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 SBIN0064634
How to transfer money using IFSC SBIN0064634
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 SBIN0064634 across all three.
NEFT to State Bank of India, RACC KOLLAM using IFSC SBIN0064634
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 SBIN0064634, and confirm that the system picks up State Bank of India – RACC KOLLAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to RACC KOLLAM
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's RACC KOLLAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0064634 while initiating the transfer and the credit will appear within minutes.
IMPS to State Bank of India RACC KOLLAM (IFSC SBIN0064634)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0064634 in your mobile or internet banking app, and the money is credited to the RACC KOLLAM branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SBIN0064634 for State Bank of India – RACC 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.
| 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 – SBIN0064634 | Yes – SBIN0064634 | Yes – SBIN0064634 |
For most retail customers crediting the Racc 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.
UPI payments and IFSC SBIN0064634
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 – RACC KOLLAM is still mapped to IFSC SBIN0064634. 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 SBIN0064634 and the beneficiary's account number to complete the transfer.
Online banking and IFSC SBIN0064634
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the RACC KOLLAM 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 SBIN0064634 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 & cheque-truncation details
Cheques drawn on the Racc Kollam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0064634 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC SBIN0064634
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 – RACC KOLLAM, 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:
SBIN0064634. - 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 Racc Kollam branch sits at RACC KOLLAM,PB 69,FIRST FLOOR AMMAVEETIL BUILDINGS,CUTCHERRY P O,KOLLAM 691013. If you are travelling from outside Kollam, search for the branch on a maps application using the bank name and locality, or call 474-9446362298 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 SBIN0064634 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC SBIN0064634 for State Bank of India – RACC 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 Racc 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 SBIN0064634 continue to work without interruption.
Branch address & contact
State Bank of IndiaRacc Kollam Branch
RACC KOLLAM,PB 69,FIRST FLOOR AMMAVEETIL BUILDINGS,CUTCHERRY P O,KOLLAM 691013
Kollam, Kerala
Phone: 474-9446362298
IFSC: SBIN0064634
Frequently asked questions
Can I use IFSC SBIN0064634 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0064634 to send funds instantly.
Is IFSC SBIN0064634 the same for all accounts at Racc Kollam branch?
Yes. The IFSC SBIN0064634 is shared by every account held at State Bank of India's Racc Kollam branch. Only the account number changes from customer to customer.
Where is State Bank of India Racc Kollam branch located?
State Bank of India's Racc Kollam branch is located at RACC KOLLAM,PB 69,FIRST FLOOR AMMAVEETIL BUILDINGS,CUTCHERRY P O,KOLLAM 691013, Kollam, Kerala.
What is the phone number of State Bank of India Racc Kollam branch?
You can reach the branch at 474-9446362298 during regular banking hours.
How do I add State Bank of India Racc Kollam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0064634, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Racc Kollam branch but serve different purposes.
Is IFSC SBIN0064634 valid for NEFT and RTGS?
Yes. IFSC SBIN0064634 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: SBIN0064634 is the IFSC code of State Bank of India, RACC KOLLAM branch, in KOLLAM, 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.
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