IFSC Code of State Bank of India, Virudhunagar Medical College,Kooraikundu Branch, Tamil Nadu

Use this page as a one-stop reference for everything related to State Bank of India's VIRUDHUNAGAR MEDICAL COLLEGE,KOORAIKUNDU branch in VIRUDHUNAGAR, TAMIL NADU. The branch's IFSC code SBIN0064309 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.

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, SBIN0064309 is the IFSC of State Bank of India's VIRUDHUNAGAR MEDICAL COLLEGE,KOORAIKUNDU branch. The format is fixed: SBIN = bank code, 0 = reserved, 064309 = branch identifier.

Bank profile

State Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Virudhunagar Medical College,Kooraikundu branch — IFSC SBIN0064309 — extends the bank's services to customers in and around Virudhunagar, Tamil Nadu.

Branch details at a glance

Virudhunagar Medical College,Kooraikundu branch overview

Located at VIRUDHUNAGAR MEDICAL COLLEGE,CAMPUS,KOORAIKUNDU,VIRUDHUNAGR.PIN CODE - 626001, the Virudhunagar Medical College,Kooraikundu branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0064309 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 VIRUDHUNAGAR MEDICAL COLLEGE,KOORAIKUNDU of State Bank of India — its own 11-character IFSC. The code SBIN0064309 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 SBIN0064309 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Virudhunagar Medical College,Kooraikundu branch is mapped to IFSC SBIN0064309 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 SBIN0064309.

Banking services available

The Virudhunagar Medical College,Kooraikundu branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4562-9790391776.

• 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 SBIN0064309

How to transfer money using IFSC SBIN0064309

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 SBIN0064309 across all three.

How to use IFSC SBIN0064309 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's VIRUDHUNAGAR MEDICAL COLLEGE,KOORAIKUNDU 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 SBIN0064309.
4. Confirm the bank name auto-populates as State Bank of India and the branch as VIRUDHUNAGAR MEDICAL COLLEGE,KOORAIKUNDU.
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 SBIN0064309

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 – VIRUDHUNAGAR MEDICAL COLLEGE,KOORAIKUNDU, ensure your bank's portal accepts IFSC SBIN0064309 while registering the beneficiary. RTGS is also available 24x7.

IMPS to State Bank of India VIRUDHUNAGAR MEDICAL COLLEGE,KOORAIKUNDU (IFSC SBIN0064309)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0064309 in your mobile or internet banking app, and the money is credited to the VIRUDHUNAGAR MEDICAL COLLEGE,KOORAIKUNDU branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Virudhunagar Medical College,Kooraikundu

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 SBIN0064309:

• 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 VIRUDHUNAGAR MEDICAL COLLEGE,KOORAIKUNDU is still linked to IFSC SBIN0064309.

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 SBIN0064309

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 – VIRUDHUNAGAR MEDICAL COLLEGE,KOORAIKUNDU is still mapped to IFSC SBIN0064309. 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 SBIN0064309 and the beneficiary's account number to complete the transfer.

Online banking and IFSC SBIN0064309

State Bank of India customers can register for net banking and the bank's official mobile app once their account at the VIRUDHUNAGAR MEDICAL COLLEGE,KOORAIKUNDU 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 SBIN0064309 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.

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 SBIN0064309 and the account number together uniquely identify the Virudhunagar Medical College,Kooraikundu branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC SBIN0064309

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 – VIRUDHUNAGAR MEDICAL COLLEGE,KOORAIKUNDU, 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: SBIN0064309.
• 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.

How to reach the Virudhunagar Medical College,Kooraikundu branch

The branch is located at VIRUDHUNAGAR MEDICAL COLLEGE,CAMPUS,KOORAIKUNDU,VIRUDHUNAGR.PIN CODE - 626001, which puts it inside Virudhunagar, the broader Virudhunagar district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “State Bank of India Virudhunagar Medical College,Kooraikundu branch” — the verified location pin for IFSC SBIN0064309 should appear at the top of the results.
2. Confirm the branch is open by calling 4562-9790391776 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 SBIN0064309 and your account number.

Verifying IFSC SBIN0064309 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 SBIN0064309 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 4562-9790391776.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Virudhunagar Medical College,Kooraikundu 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 SBIN0064309 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SBIN0064309 is the IFSC code of State Bank of India, VIRUDHUNAGAR MEDICAL COLLEGE,KOORAIKUNDU branch, in VIRUDHUNAGAR, TAMIL NADU. 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.