Below are the complete branch details for State Bank of India, PAYIPAD branch, located in PAYIPAD, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0070092. 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 SBIN0070092 for State Bank of India – PAYIPAD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For State Bank of India's PAYIPAD branch, the IFSC SBIN0070092 breaks down as follows: SBIN identifies the bank, 0 is the reserved character, and 070092 identifies this particular branch.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Payipad |
| IFSC Code | SBIN0070092 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PBNO1,VIRUPILBUILDINGS,PAYIPADPO690556PAYIPADATSBTCOIN |
| City | Payipad |
| District | Alapuzzha |
| State | Kerala |
| STD Code | 479 |
| Phone | 2319612 |
About the bank
State Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Payipad branch in Payipad, Kerala is part of this network and uses the IFSC code SBIN0070092 for all electronic settlement.
About this branch
The branch is located at PBNO1,VIRUPILBUILDINGS,PAYIPADPO690556PAYIPADATSBTCOIN. It serves the Payipad 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 SBIN0070092 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 PAYIPAD of State Bank of India — its own 11-character IFSC. The code SBIN0070092 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 SBIN0070092 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 SBIN0070092
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 SBIN0070092 across all three.
How to use IFSC SBIN0070092 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's PAYIPAD 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 SBIN0070092.
- Confirm the bank name auto-populates as State Bank of India and the branch as PAYIPAD.
- 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 PAYIPAD
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's PAYIPAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0070092 while initiating the transfer and the credit will appear within minutes.
IMPS to State Bank of India PAYIPAD (IFSC SBIN0070092)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0070092 in your mobile or internet banking app, and the money is credited to the PAYIPAD branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SBIN0070092 for State Bank of India – PAYIPAD, 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 – SBIN0070092 | Yes – SBIN0070092 | Yes – SBIN0070092 |
For most retail customers crediting the Payipad 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 SBIN0070092
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 – PAYIPAD is still mapped to IFSC SBIN0070092. 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 SBIN0070092 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Payipad branch is mapped to IFSC SBIN0070092 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 SBIN0070092.
Products and services
Customers walking into the Payipad 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 SBIN0070092
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 SBIN0070092 and the account number together uniquely identify the Payipad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Payipad branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC SBIN0070092 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
Common mistakes to avoid when using IFSC SBIN0070092
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 – PAYIPAD, 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:
SBIN0070092. - 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 Payipad branch sits at PBNO1,VIRUPILBUILDINGS,PAYIPADPO690556PAYIPADATSBTCOIN. If you are travelling from outside Payipad, search for the branch on a maps application using the bank name and locality, or call 479-2319612 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 SBIN0070092 and your account number.
Verifying IFSC SBIN0070092 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 SBIN0070092 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 479-2319612.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Payipad 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 SBIN0070092 continue to work without interruption.
Branch address & contact
State Bank of IndiaPayipad Branch
PBNO1,VIRUPILBUILDINGS,PAYIPADPO690556PAYIPADATSBTCOIN
Payipad, Kerala
Phone: 479-2319612
IFSC: SBIN0070092
Frequently asked questions
What is the IFSC code of State Bank of India Payipad branch?
The IFSC code of State Bank of India, Payipad branch is SBIN0070092. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is State Bank of India Payipad branch located?
State Bank of India's Payipad branch is located at PBNO1,VIRUPILBUILDINGS,PAYIPADPO690556PAYIPADATSBTCOIN, Payipad, Kerala.
Is IFSC SBIN0070092 valid for NEFT and RTGS?
Yes. IFSC SBIN0070092 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using SBIN0070092 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Payipad reflect within 30 minutes.
Is IFSC SBIN0070092 the same for all accounts at Payipad branch?
Yes. The IFSC SBIN0070092 is shared by every account held at State Bank of India's Payipad branch. Only the account number changes from customer to customer.
How do I add State Bank of India Payipad as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0070092, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of State Bank of India Payipad branch?
You can reach the branch at 479-2319612 during regular banking hours.
Summary
The IFSC code SBIN0070092 belongs to State Bank of India's PAYIPAD branch, located at PBNO1,VIRUPILBUILDINGS,PAYIPADPO690556PAYIPADATSBTCOIN in PAYIPAD, 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.
