IFSC Code of State Bank of India, Fimm Racc Xv Nagercoil Branch, Tamil Nadu

Use this page as a one-stop reference for everything related to State Bank of India's FIMM RACC XV NAGERCOIL branch in NAGERCOIL, TAMIL NADU. The branch's IFSC code SBIN0062454 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 – FIMM RACC XV NAGERCOIL is SBIN0062454. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 062454 map to this branch in NAGERCOIL, TAMIL NADU.

About State Bank of India

State Bank of India operates a wide network of branches across India, including the Fimm Racc Xv Nagercoil branch in Nagercoil. 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, SBIN0062454.

Branch details at a glance

Fimm Racc Xv Nagercoil branch overview

Located at DISTRICT SALES HUB 15 - NAGERCOIL, PB NO.10, 14-B DISTILLERY ROAD, NAGERCOIL, AGASTHEESWARAM TK, NAGERCOIL- 629001, the Fimm Racc Xv Nagercoil branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0062454 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 FIMM RACC XV NAGERCOIL branch came to be assigned the code SBIN0062454.

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 SBIN0062454, money simply cannot be routed to the FIMM RACC XV NAGERCOIL branch electronically.

Products and account variants supported

Every account opened at the Fimm Racc Xv Nagercoil branch is mapped to IFSC SBIN0062454 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 SBIN0062454.

Banking services available

The Fimm Racc Xv Nagercoil branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9489901965.

• 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 SBIN0062454

How to transfer money using IFSC SBIN0062454

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 SBIN0062454 across all three.

How to use IFSC SBIN0062454 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's FIMM RACC XV NAGERCOIL 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 SBIN0062454.
4. Confirm the bank name auto-populates as State Bank of India and the branch as FIMM RACC XV NAGERCOIL.
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 FIMM RACC XV NAGERCOIL

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's FIMM RACC XV NAGERCOIL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0062454 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 – FIMM RACC XV NAGERCOIL, use IMPS. With IFSC SBIN0062454 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Fimm Racc Xv Nagercoil

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC SBIN0062454:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at FIMM RACC XV NAGERCOIL is still linked to IFSC SBIN0062454.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC SBIN0062454

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 – FIMM RACC XV NAGERCOIL is still mapped to IFSC SBIN0062454. 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 SBIN0062454 and the beneficiary's account number to complete the transfer.

Online banking and IFSC SBIN0062454

State Bank of India customers can register for net banking and the bank's official mobile app once their account at the FIMM RACC XV NAGERCOIL 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 SBIN0062454 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 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 SBIN0062454 and the account number together uniquely identify the Fimm Racc Xv Nagercoil branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – FIMM RACC XV NAGERCOIL:

• The IFSC is exactly SBIN0062454 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 FIMM RACC XV NAGERCOIL 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.

Reaching the branch

The Fimm Racc Xv Nagercoil branch sits at DISTRICT SALES HUB 15 - NAGERCOIL, PB NO.10, 14-B DISTILLERY ROAD, NAGERCOIL, AGASTHEESWARAM TK, NAGERCOIL- 629001. If you are travelling from outside Nagercoil, search for the branch on a maps application using the bank name and locality, or call 9489901965 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 SBIN0062454 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SBIN0062454 for State Bank of India – FIMM RACC XV NAGERCOIL, 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 Fimm Racc Xv Nagercoil 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 SBIN0062454 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SBIN0062454 is the IFSC code of State Bank of India, FIMM RACC XV NAGERCOIL branch, in NAGERCOIL, TAMIL NADU. 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.