IFSC Code of State Bank of India, Niranam Kizhakkumbhagom Branch, Kerala

Below are the complete branch details for State Bank of India, NIRANAM KIZHAKKUMBHAGOM branch, located in PATHANAMTHITTA, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0070461. 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 SBIN0070461 for State Bank of India – NIRANAM KIZHAKKUMBHAGOM — 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, SBIN0070461 is the IFSC of State Bank of India's NIRANAM KIZHAKKUMBHAGOM branch. The format is fixed: SBIN = bank code, 0 = reserved, 070461 = branch identifier.

About State Bank of India

State Bank of India operates a wide network of branches across India, including the Niranam Kizhakkumbhagom branch in Pathanamthitta. 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, SBIN0070461.

About the Niranam Kizhakkumbhagom branch

The Niranam Kizhakkumbhagom branch of State Bank of India is situated at PBNO2STMARYSORTHODOX,SYRIANCHURCHBLDGS,NIRANAMPO689621NIRANAMATSBTCOIN. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code SBIN0070461 is used.

Branch details at a glance

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 NIRANAM KIZHAKKUMBHAGOM branch came to be assigned the code SBIN0070461.

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 SBIN0070461, money simply cannot be routed to the NIRANAM KIZHAKKUMBHAGOM branch electronically.

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 SBIN0070461 and the account number together uniquely identify the Niranam Kizhakkumbhagom branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC SBIN0070461

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 SBIN0070461 across all three.

NEFT to State Bank of India, NIRANAM KIZHAKKUMBHAGOM using IFSC SBIN0070461

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 SBIN0070461, and confirm that the system picks up State Bank of India – NIRANAM KIZHAKKUMBHAGOM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SBIN0070461

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 – NIRANAM KIZHAKKUMBHAGOM, ensure your bank's portal accepts IFSC SBIN0070461 while registering the beneficiary. RTGS is also available 24x7.

IMPS to State Bank of India NIRANAM KIZHAKKUMBHAGOM (IFSC SBIN0070461)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0070461 in your mobile or internet banking app, and the money is credited to the NIRANAM KIZHAKKUMBHAGOM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Niranam Kizhakkumbhagom

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 SBIN0070461:

• 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 NIRANAM KIZHAKKUMBHAGOM is still linked to IFSC SBIN0070461.

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 SBIN0070461

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 – NIRANAM KIZHAKKUMBHAGOM is still mapped to IFSC SBIN0070461. 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 SBIN0070461 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Niranam Kizhakkumbhagom branch is mapped to IFSC SBIN0070461 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 SBIN0070461.

Banking services available

The Niranam Kizhakkumbhagom branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4692-610495.

• 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 SBIN0070461

Online banking and IFSC SBIN0070461

State Bank of India customers can register for net banking and the bank's official mobile app once their account at the NIRANAM KIZHAKKUMBHAGOM 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 SBIN0070461 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.

Reaching the branch

The Niranam Kizhakkumbhagom branch sits at PBNO2STMARYSORTHODOX,SYRIANCHURCHBLDGS,NIRANAMPO689621NIRANAMATSBTCOIN. If you are travelling from outside Pathanamthitta, search for the branch on a maps application using the bank name and locality, or call 4692-610495 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 SBIN0070461 and your account number.

Common mistakes to avoid when using IFSC SBIN0070461

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 – NIRANAM KIZHAKKUMBHAGOM, 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: SBIN0070461.
• 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.

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 Niranam Kizhakkumbhagom branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0070461, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SBIN0070461 for State Bank of India – NIRANAM KIZHAKKUMBHAGOM, 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 address & contact

Frequently asked questions

Summary

The IFSC code SBIN0070461 belongs to State Bank of India's NIRANAM KIZHAKKUMBHAGOM branch, located at PBNO2STMARYSORTHODOX,SYRIANCHURCHBLDGS,NIRANAMPO689621NIRANAMATSBTCOIN in PATHANAMTHITTA, 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.