IFSC Code of State Bank of India, Treasury Branch, Thiruvananthapuram Branch, Kerala

Use this page as a one-stop reference for everything related to State Bank of India's TREASURY BRANCH, THIRUVANANTHAPURAM branch in THRIVENDRAM, KERALA. The branch's IFSC code SBIN0004478 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 – TREASURY BRANCH, THIRUVANANTHAPURAM is SBIN0004478. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004478 map to this branch in THRIVENDRAM, 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 Treasury Branch, Thiruvananthapuram branch in Thrivendram, Kerala is part of this network and uses the IFSC code SBIN0004478 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at UDUPI SHREEWAS TOURIST HOME, RLY. STATION ROAD,KERALA 695 001. It serves the Thrivendram 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 SBIN0004478 is used to identify this branch on the RBI payments network.

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 TREASURY BRANCH, THIRUVANANTHAPURAM branch came to be assigned the code SBIN0004478.

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 SBIN0004478, money simply cannot be routed to the TREASURY BRANCH, THIRUVANANTHAPURAM branch electronically.

Account types you can open at the Treasury Branch, Thiruvananthapuram branch

Once you have an account at State Bank of India – TREASURY BRANCH, THIRUVANANTHAPURAM, the IFSC SBIN0004478 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.

Banking services available

The Treasury Branch, Thiruvananthapuram branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 471-2545568.

• 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 SBIN0004478

How to transfer money using IFSC SBIN0004478

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 SBIN0004478 across all three.

How to use IFSC SBIN0004478 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's TREASURY BRANCH, THIRUVANANTHAPURAM 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 SBIN0004478.
4. Confirm the bank name auto-populates as State Bank of India and the branch as TREASURY BRANCH, THIRUVANANTHAPURAM.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC SBIN0004478

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 – TREASURY BRANCH, THIRUVANANTHAPURAM, ensure your bank's portal accepts IFSC SBIN0004478 while registering the beneficiary. RTGS is also available 24x7.

IMPS to State Bank of India TREASURY BRANCH, THIRUVANANTHAPURAM (IFSC SBIN0004478)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0004478 in your mobile or internet banking app, and the money is credited to the TREASURY BRANCH, THIRUVANANTHAPURAM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Treasury Branch, Thiruvananthapuram

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 SBIN0004478:

• 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 TREASURY BRANCH, THIRUVANANTHAPURAM is still linked to IFSC SBIN0004478.

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 TREASURY BRANCH, THIRUVANANTHAPURAM branch, the IFSC SBIN0004478 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.

Digital banking channels

Most day-to-day work that customers used to do at the Treasury Branch, Thiruvananthapuram 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 SBIN0004478 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.

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 SBIN0004478 and the account number together uniquely identify the Treasury Branch, Thiruvananthapuram 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 – TREASURY BRANCH, THIRUVANANTHAPURAM:

• The IFSC is exactly SBIN0004478 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 TREASURY BRANCH, THIRUVANANTHAPURAM 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 Treasury Branch, Thiruvananthapuram branch sits at UDUPI SHREEWAS TOURIST HOME, RLY. STATION ROAD,KERALA 695 001. If you are travelling from outside Thrivendram, search for the branch on a maps application using the bank name and locality, or call 471-2545568 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 SBIN0004478 and your account number.

Verifying IFSC SBIN0004478 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 SBIN0004478 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 471-2545568.
• 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 Treasury Branch, Thiruvananthapuram branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0004478, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: SBIN0004478 is the IFSC code of State Bank of India, TREASURY BRANCH, THIRUVANANTHAPURAM branch, in THRIVENDRAM, 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.