IFSC Code of State Bank of India, M.G.M.H.S. Thiruvalla Branch, Kerala

Use this page as a one-stop reference for everything related to State Bank of India's M.G.M.H.S. THIRUVALLA branch in THIRUVALLA, KERALA. The branch's IFSC code SBIN0070482 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 – M.G.M.H.S. THIRUVALLA is SBIN0070482. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 070482 map to this branch in THIRUVALLA, KERALA.

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 M.G.M.H.S. Thiruvalla branch in Thiruvalla, Kerala is part of this network and uses the IFSC code SBIN0070482 for all electronic settlement.

M.G.M.H.S. Thiruvalla branch overview

Located at PBNO14,THIRUVALLAPO689101MGMHSATSBTCOIN, the M.G.M.H.S. Thiruvalla branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0070482 is required for all interbank electronic transfers routed through this branch.

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 M.G.M.H.S. THIRUVALLA branch came to be assigned the code SBIN0070482.

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 SBIN0070482, money simply cannot be routed to the M.G.M.H.S. THIRUVALLA branch electronically.

MICR & cheque-truncation details

Cheques drawn on the M.G.M.H.S. Thiruvalla branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0070482 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC SBIN0070482

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 SBIN0070482 across all three.

How to use IFSC SBIN0070482 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's M.G.M.H.S. THIRUVALLA 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 SBIN0070482.
4. Confirm the bank name auto-populates as State Bank of India and the branch as M.G.M.H.S. THIRUVALLA.
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 M.G.M.H.S. THIRUVALLA

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's M.G.M.H.S. THIRUVALLA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0070482 while initiating the transfer and the credit will appear within minutes.

IMPS to State Bank of India M.G.M.H.S. THIRUVALLA (IFSC SBIN0070482)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0070482 in your mobile or internet banking app, and the money is credited to the M.G.M.H.S. THIRUVALLA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to M.G.M.H.S. Thiruvalla

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 SBIN0070482:

• 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 M.G.M.H.S. THIRUVALLA is still linked to IFSC SBIN0070482.

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.

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 M.G.M.H.S. THIRUVALLA branch, the IFSC SBIN0070482 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 M.G.M.H.S. Thiruvalla branch is mapped to IFSC SBIN0070482 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 SBIN0070482.

Banking services available

The M.G.M.H.S. Thiruvalla branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 469-2700124.

• 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 SBIN0070482

Digital banking channels

Most day-to-day work that customers used to do at the M.G.M.H.S. Thiruvalla 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 SBIN0070482 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.

How to reach the M.G.M.H.S. Thiruvalla branch

The branch is located at PBNO14,THIRUVALLAPO689101MGMHSATSBTCOIN, which puts it inside Thiruvalla, the broader Pathanamthitta district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “State Bank of India M.G.M.H.S. Thiruvalla branch” — the verified location pin for IFSC SBIN0070482 should appear at the top of the results.
2. Confirm the branch is open by calling 469-2700124 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 SBIN0070482 and your account number.

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 – M.G.M.H.S. THIRUVALLA:

• The IFSC is exactly SBIN0070482 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 M.G.M.H.S. THIRUVALLA 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.

Working hours

Branch counters at M.G.M.H.S. Thiruvalla 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 SBIN0070482 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SBIN0070482 for State Bank of India – M.G.M.H.S. THIRUVALLA, 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

Final notes

To recap: SBIN0070482 is the IFSC code of State Bank of India, M.G.M.H.S. THIRUVALLA branch, in THIRUVALLA, 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.