If you are searching for the IFSC code of State Bank of India, RACC CHANGANASSERY branch in KOTTAYAM, KERALA, this page has every detail you need. The verified IFSC code for this branch is SBIN0064647. 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 RACC CHANGANASSERY branch, and detailed step-by-step guides for using the IFSC SBIN0064647 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.
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, SBIN0064647 is the IFSC of State Bank of India's RACC CHANGANASSERY branch. The format is fixed: SBIN = bank code, 0 = reserved, 064647 = branch identifier.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Racc Changanassery |
| IFSC Code | SBIN0064647 |
| MICR Code | Refer to cheque leaf |
| Branch Address | RACC RBO 2,2ND FLOOR,POLACHIRAKKAL BULDING,OPP COLLECTORATE,KOTTAYAM,PIN-686002 |
| City | Kottayam |
| District | Kottayam |
| State | Kerala |
| STD Code | 481 |
| Phone | 9539591059 |
About State Bank of India
State Bank of India operates a wide network of branches across India, including the Racc Changanassery branch in Kottayam. 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, SBIN0064647.
About this branch
The branch is located at RACC RBO 2,2ND FLOOR,POLACHIRAKKAL BULDING,OPP COLLECTORATE,KOTTAYAM,PIN-686002. It serves the Kottayam 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 SBIN0064647 is used to identify this branch on the RBI payments network.
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 RACC CHANGANASSERY branch came to be assigned the code SBIN0064647.
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 SBIN0064647, money simply cannot be routed to the RACC CHANGANASSERY branch electronically.
How to transfer money using IFSC SBIN0064647
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 SBIN0064647 across all three.
How to use IFSC SBIN0064647 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's RACC CHANGANASSERY 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC SBIN0064647.
- Confirm the bank name auto-populates as State Bank of India and the branch as RACC CHANGANASSERY.
- 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 RACC CHANGANASSERY
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's RACC CHANGANASSERY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0064647 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 – RACC CHANGANASSERY, use IMPS. With IFSC SBIN0064647 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 SBIN0064647 for State Bank of India – RACC CHANGANASSERY, 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 – SBIN0064647 | Yes – SBIN0064647 | Yes – SBIN0064647 |
For most retail customers crediting the Racc Changanassery 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 RACC CHANGANASSERY branch, the IFSC SBIN0064647 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.
Products and account variants supported
Every account opened at the Racc Changanassery branch is mapped to IFSC SBIN0064647 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 SBIN0064647.
Products and services
Customers walking into the Racc Changanassery 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 SBIN0064647
MICR & cheque-truncation details
Cheques drawn on the Racc Changanassery branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0064647 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC SBIN0064647
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the RACC CHANGANASSERY 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 SBIN0064647 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.
Common mistakes to avoid when using IFSC SBIN0064647
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 CHANGANASSERY, 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:
SBIN0064647. - 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 Changanassery branch sits at RACC RBO 2,2ND FLOOR,POLACHIRAKKAL BULDING,OPP COLLECTORATE,KOTTAYAM,PIN-686002. If you are travelling from outside Kottayam, search for the branch on a maps application using the bank name and locality, or call 481-9539591059 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 SBIN0064647 and your account number.
Verifying IFSC SBIN0064647 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm SBIN0064647 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 481-9539591059.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Racc Changanassery 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 SBIN0064647 continue to work without interruption.
Branch address & contact
State Bank of IndiaRacc Changanassery Branch
RACC RBO 2,2ND FLOOR,POLACHIRAKKAL BULDING,OPP COLLECTORATE,KOTTAYAM,PIN-686002
Kottayam, Kerala
Phone: 481-9539591059
IFSC: SBIN0064647
Frequently asked questions
What is the phone number of State Bank of India Racc Changanassery branch?
You can reach the branch at 481-9539591059 during regular banking hours.
Is IFSC SBIN0064647 valid for NEFT and RTGS?
Yes. IFSC SBIN0064647 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of State Bank of India Racc Changanassery branch?
The IFSC code of State Bank of India, Racc Changanassery branch is SBIN0064647. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using SBIN0064647 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Racc Changanassery reflect within 30 minutes.
Is IFSC SBIN0064647 the same for all accounts at Racc Changanassery branch?
Yes. The IFSC SBIN0064647 is shared by every account held at State Bank of India's Racc Changanassery branch. Only the account number changes from customer to customer.
Where is State Bank of India Racc Changanassery branch located?
State Bank of India's Racc Changanassery branch is located at RACC RBO 2,2ND FLOOR,POLACHIRAKKAL BULDING,OPP COLLECTORATE,KOTTAYAM,PIN-686002, Kottayam, Kerala.
How do I add State Bank of India Racc Changanassery as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0064647, 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 Changanassery branch but serve different purposes.
Summary
The IFSC code SBIN0064647 belongs to State Bank of India's RACC CHANGANASSERY branch, located at RACC RBO 2,2ND FLOOR,POLACHIRAKKAL BULDING,OPP COLLECTORATE,KOTTAYAM,PIN-686002 in KOTTAYAM, 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.
More Articles for IFSC Code
IFSC Code of Zila Sahakri Bank Limited Ghaziabad, Loni Branch, Uttar Pradesh
