For digital banking and online financial transactions in India, one essential element that makes sure of a seamless and accurate fund transfers is the IFSC Code. If you are sending money through NEFT, RTGS, or IMPS, the bank asks you to enter the correct IFSC Code to route your payment to the right branch. And so, in case you are searching for the IFSC Code of State Bank Of India for its Nri, Kozhikode branch in Kozhikode, Calicut, Kerala, this comprehensive guide will provide you with detailed information.
The banking system in India has changed significantly over the years, and today customers of State Bank Of India located in Kozhikode or anywhere in Kerala can transfer funds instantly by using the correct IFSC Code SBIN0004053. Knowing how the IFSC Code works can help you stay informed and avoid transfer errors.
Details of IFSC Code for State Bank Of India, Nri, Kozhikode, Kozhikode
Below in the table are the key details related to IFSC Code SBIN0004053 of State Bank Of India for its branch located in Kozhikode, within the district of Calicut in the state of Kerala.
| Particulars | Details |
|---|---|
| Bank | State Bank Of India |
| IFSC Code | SBIN0004053 |
| Branch | Nri, Kozhikode |
| City | Kozhikode |
| District | Calicut |
| State | Kerala |
| Address | Aydeed Complex Ymca Cross Rd Calicut Kozhikode Kerala Pin 673001 |
These details are essential not only for online banking users but also for businesses and individuals who use State Bank Of India in Kozhikode for day-to-day financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code SBIN0004053 for the Nri, Kozhikode branch of State Bank Of India plays 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 Nri, Kozhikode, Kozhikode, Kerala, are allotted a unique IFSC like SBIN0004053 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Kozhikode.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Kozhikode and Calicut.
- 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 Nri, Kozhikode reaches the right place, even though there are thousands of branches in Kerala and across India.
Format of the IFSC Code SBIN0004053
The format of the IFSC Code for banks, including State Bank Of India, follows an 11-character structure:
AAAA0CCCCCC
Here's the breakdown:
- First 4 characters (AAAA): These represent the bank code. In State Bank Of India, they are a short identifier for the bank.
- 5th character (0): This is always zero and is reserved for future use.
- Last 6 characters (CCCCCC): These are what represent the specific branch code which is assigned to branches like Nri, Kozhikode in Kozhikode.
For example, the IFSC Code SBIN0004053 of State Bank Of India for the Nri, Kozhikode branch has these elements, identifying the bank and the branch location in Kozhikode and Kerala correctly.
How to Find IFSC Code for State Bank Of India?
To find the IFSC Code SBIN0004053 of State Bank Of India for its Nri, Kozhikode branch located in Kozhikode, the following methods can help you out:
Cheque Book
The cheque book issued by State Bank Of India includes the IFSC Code printed on each cheque leaf. You can easily spot the code on the top section.
Passbook
Most banks, including State Bank Of India branches in Kozhikode and Calicut, print the IFSC and MICR codes on the first page of the passbook.
Bank Website
Visit the official website of State Bank Of India and go to the branch locator section. Then search for Nri, Kozhikode or Kozhikode to find the exact IFSC Code SBIN0004053.
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 maintains an updated database of all IFSC codes. Searching for State Bank Of India and Kozhikode will provide accurate information.
How to Use IFSC Code SBIN0004053 for Online Transfers?
Once you have the IFSC Code SBIN0004053 for the Nri, Kozhikode branch of State Bank Of India in Kozhikode, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code SBIN0004053. The transfer is completed in batches instead of instantly. It is useful for both 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. Requires the recipient's account details and State Bank Of India IFSC Code SBIN0004053.
No matter which payment method you use, the IFSC Code must be correct. If you enter the wrong IFSC Code for the State Bank Of India Nri, Kozhikode in Kozhikode, your payment can get delayed or might not go through at all.
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 Nri, Kozhikode, 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 Kozhikode manage their online transfers and cheque clearances easily.
Frequently Asked Questions (FAQs)
The IFSC Code of the Nri, Kozhikode Kozhikode branch is SBIN0004053.
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 Aydeed Complex Ymca Cross Rd Calicut Kozhikode Kerala Pin 673001.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.