IFSC Code of State Bank of India, Pandikkad Branch, Kerala

Below are the complete branch details for State Bank of India, PANDIKKAD branch, located in PANDIKKAD, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0070814. 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 SBIN0070814 for State Bank of India – PANDIKKAD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – PANDIKKAD is SBIN0070814. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 070814 map to this branch in PANDIKKAD, KERALA.

Branch details at a glance

About State Bank of India

State Bank of India operates a wide network of branches across India, including the Pandikkad branch in Pandikkad. 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, SBIN0070814.

Pandikkad branch overview

Located at ATCOMPLEX,PERINTHALMANNAROAD,PANDIKKADPO676521PANDIKKADATSBTCOIN, the Pandikkad branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0070814 is required for all interbank electronic transfers routed through this branch.

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 PANDIKKAD of State Bank of India — its own 11-character IFSC. The code SBIN0070814 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 SBIN0070814 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC SBIN0070814

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 SBIN0070814 across all three.

NEFT to State Bank of India, PANDIKKAD using IFSC SBIN0070814

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 SBIN0070814, and confirm that the system picks up State Bank of India – PANDIKKAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to PANDIKKAD

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's PANDIKKAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0070814 while initiating the transfer and the credit will appear within minutes.

IMPS to State Bank of India PANDIKKAD (IFSC SBIN0070814)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0070814 in your mobile or internet banking app, and the money is credited to the PANDIKKAD branch account within seconds.

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

All three modes accept the IFSC SBIN0070814 for State Bank of India – PANDIKKAD, 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 Pandikkad 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 SBIN0070814

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 – PANDIKKAD is still mapped to IFSC SBIN0070814. 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 SBIN0070814 and the beneficiary's account number to complete the transfer.

Account types you can open at the Pandikkad branch

Once you have an account at State Bank of India – PANDIKKAD, the IFSC SBIN0070814 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 Pandikkad 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 SBIN0070814

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 SBIN0070814 and the account number together uniquely identify the Pandikkad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC SBIN0070814

State Bank of India customers can register for net banking and the bank's official mobile app once their account at the PANDIKKAD 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 SBIN0070814 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.

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 – PANDIKKAD:

• The IFSC is exactly SBIN0070814 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 PANDIKKAD 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 Pandikkad branch

The branch is located at ATCOMPLEX,PERINTHALMANNAROAD,PANDIKKADPO676521PANDIKKADATSBTCOIN, which puts it inside Pandikkad, the broader Malappuram district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “State Bank of India Pandikkad branch” — the verified location pin for IFSC SBIN0070814 should appear at the top of the results.
2. Confirm the branch is open by calling 483-2785600 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 SBIN0070814 and your account number.

Verifying IFSC SBIN0070814 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 SBIN0070814 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 483-2785600.
• Visiting the bank's official branch locator page.

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 Pandikkad branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0070814, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: SBIN0070814 is the IFSC code of State Bank of India, PANDIKKAD branch, in PANDIKKAD, 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.