Digital banking and online financial transactions in India uses one essential element that ensures you have a seamless and accurate fund transfers, it is the IFSC Code. Banks need the correct IFSC Code for NEFT, RTGS, or IMPS transfers to reach the right branch. If you are looking for the IFSC Code of State Bank Of India for its Cherthala branch in Alapuzzha, Alapuza, or Kerala, this guide will help you with all the details.
There have been major changes in the banking sector in India and today, the customers of State Bank Of India located in Alapuzzha or anywhere in Kerala can transfer funds instantly by using the correct IFSC Code SBIN0005046. You should definitely know how the IFSC Code works and how it helps you stay informed and avoid transfer errors.
Details of IFSC Code for State Bank Of India, Cherthala, Alapuzzha
Below in the table are the key details related to IFSC Code SBIN0005046 of State Bank Of India for its branch located in Alapuzzha, within the district of Alapuza in the state of Kerala.
| Particulars | Details |
|---|---|
| Bank | State Bank Of India |
| IFSC Code | SBIN0005046 |
| Branch | Cherthala |
| City | Alapuzzha |
| District | Alapuza |
| State | Kerala |
| Address | Alapuza,Kerala,Pin 688524 |
These details are crucial, not just for online banking users but also for businesses and individuals who use State Bank Of India in Alapuzzha for recurring financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code SBIN0005046 for the Cherthala branch of State Bank Of India has an important role.
What Is IFSC Code and Why Is It Important?
IFSC stands for Indian Financial System Code, an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, along with State Bank Of India located in Cherthala, Alapuzzha, Kerala, are allotted a unique IFSC like SBIN0005046 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Alapuzzha.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Alapuzzha and Alapuza.
- It reduces errors in fund transfers and improves accuracy.
- It helps the sender banks to validate and confirm branch details before processing payments.
It makes sure that money sent to State Bank Of India in Cherthala reaches the right place, even though there are thousands of branches in Kerala and across India.
Format of the IFSC Code SBIN0005046
The format of the IFSC Code for banks, including State Bank Of India, has an 11-character structure:
AAAA0CCCCCC
Here's the breakdown:
- First 4 characters (AAAA): Show the bank code. For State Bank Of India, these letters represent the bank's short name.
- 5th character: Is always zero and is kept for future use.
- Last 6 characters (CCCCCC): Represent the specific branch code assigned to branches such as Cherthala in Alapuzzha.
For example, the IFSC Code SBIN0005046 of State Bank Of India for the Cherthala branch includes these elements, identifying the bank and the branch location in Alapuzzha and Kerala correctly.
How to Find IFSC Code for State Bank Of India?
If you are trying to find the IFSC Code SBIN0005046 of State Bank Of India for its Cherthala branch located in Alapuzzha, the following methods can help:
Cheque Book
The cheque book issued by State Bank Of India includes the IFSC Code printed on each cheque leaf which you can easily spot on the top section.
Passbook
Most banks, including State Bank Of India branches in Alapuzzha and Alapuza, print the IFSC and MICR codes on the first page of your passbook.
Bank Website
Visit the official website of State Bank Of India and navigate to the branch locator section. Search for Cherthala or Alapuzzha to get the exact IFSC Code SBIN0005046.
Mobile Banking App
If you use State Bank Of India's mobile app, you can check your account details to find your branch's IFSC code.
RBI Website
The Reserve Bank of India keeps an updated list of all IFSC codes. If you search for State Bank Of India and Alapuzzha, you'll get the correct details.
How to Use IFSC Code SBIN0005046 for Online Transfers?
If you have the IFSC Code SBIN0005046 for the Cherthala branch of State Bank Of India in Alapuzzha, you can easily go ahead with fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code SBIN0005046. Transfers are processed in batches. Suitable for personal and business payments.
RTGS
Used for high-value payments above ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.
IMPS
Instant 24×7 transfers. Asks for the recipient's account details and State Bank Of India IFSC Code SBIN0005046.
Whatever method you choose, the accuracy of the IFSC Code is important and needed. In case there is any mistake in entering the IFSC Code for State Bank Of India Cherthala in Alapuzzha, it may result in delayed or failed transactions.
Finding the MICR Code
MICR codes are used for cheque clearance and are very different from IFSC codes. If you are looking for the MICR code of State Bank Of India in Cherthala, here are some of the ways you can get it:
- Check the bottom of your cheque leaf.
- Refer to the first page of your passbook.
- Visit the official State Bank Of India website.
- Search the RBI portal.
Knowing both IFSC and MICR code can help account holders in Alapuzzha manage their online transfers and cheque clearances easily.
Frequently Asked Questions (FAQs)
The IFSC Code of the Cherthala Alapuzzha branch is SBIN0005046.
Yes, the IFSC Code remains the same unless the bank undergoes a merger or restructuring.
No. IFSC is used for online fund transfers, while MICR is used for cheque processing and clearance.
You can find it on cheque books, passbooks, bank websites, mobile banking apps, and the RBI website.
The branch is located at Alapuza,Kerala,Pin 688524.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.