IFSC Code of State Bank of India, Personal Banking Branch, Kothamangalam Branch, Kerala

If you are searching for the IFSC code of State Bank of India, PERSONAL BANKING BRANCH, KOTHAMANGALAM branch in KOTHAMANGALAM, KERALA, this page has every detail you need. The verified IFSC code for this branch is SBIN0016893. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the PERSONAL BANKING BRANCH, KOTHAMANGALAM branch, and detailed step-by-step guides for using the IFSC SBIN0016893 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 – PERSONAL BANKING BRANCH, KOTHAMANGALAM is SBIN0016893. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 016893 map to this branch in KOTHAMANGALAM, KERALA.

Bank profile

State Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Personal Banking Branch, Kothamangalam branch — IFSC SBIN0016893 — extends the bank's services to customers in and around Kothamangalam, Kerala.

Branch details at a glance

About this branch

The branch is located at VILAKATHU BLDG, THANGALAM JN., KOTHAMANGALAM, ERNAKULAM, DISTT.ERNAKULAM. KERALA686691. It serves the Kothamangalam 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 SBIN0016893 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 PERSONAL BANKING BRANCH, KOTHAMANGALAM of State Bank of India — its own 11-character IFSC. The code SBIN0016893 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 SBIN0016893 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 Personal Banking Branch, Kothamangalam branch is mapped to IFSC SBIN0016893 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 SBIN0016893.

Products and services

Customers walking into the Personal Banking Branch, Kothamangalam 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 SBIN0016893

How to transfer money using IFSC SBIN0016893

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 SBIN0016893 across all three.

NEFT to State Bank of India, PERSONAL BANKING BRANCH, KOTHAMANGALAM using IFSC SBIN0016893

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 SBIN0016893, and confirm that the system picks up State Bank of India – PERSONAL BANKING BRANCH, KOTHAMANGALAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SBIN0016893

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 – PERSONAL BANKING BRANCH, KOTHAMANGALAM, ensure your bank's portal accepts IFSC SBIN0016893 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to State Bank of India – PERSONAL BANKING BRANCH, KOTHAMANGALAM, use IMPS. With IFSC SBIN0016893 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 SBIN0016893 for State Bank of India – PERSONAL BANKING BRANCH, KOTHAMANGALAM, 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 Personal Banking Branch, Kothamangalam 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 SBIN0016893

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 – PERSONAL BANKING BRANCH, KOTHAMANGALAM is still mapped to IFSC SBIN0016893. 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 SBIN0016893 and the beneficiary's account number to complete the transfer.

Online banking and IFSC SBIN0016893

State Bank of India customers can register for net banking and the bank's official mobile app once their account at the PERSONAL BANKING BRANCH, KOTHAMANGALAM 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 SBIN0016893 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 Personal Banking Branch, Kothamangalam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0016893 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 SBIN0016893

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 – PERSONAL BANKING BRANCH, KOTHAMANGALAM, 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: SBIN0016893.
• 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.

How to reach the Personal Banking Branch, Kothamangalam branch

The branch is located at VILAKATHU BLDG, THANGALAM JN., KOTHAMANGALAM, ERNAKULAM, DISTT.ERNAKULAM. KERALA686691, which puts it inside Kothamangalam, the broader Ernakulam district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “State Bank of India Personal Banking Branch, Kothamangalam branch” — the verified location pin for IFSC SBIN0016893 should appear at the top of the results.
2. Confirm the branch is open by calling 485-2828400 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 SBIN0016893 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SBIN0016893 for State Bank of India – PERSONAL BANKING BRANCH, KOTHAMANGALAM, 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 banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Personal Banking Branch, Kothamangalam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0016893, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: SBIN0016893 is the IFSC code of State Bank of India, PERSONAL BANKING BRANCH, KOTHAMANGALAM branch, in KOTHAMANGALAM, 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.