IFSC Code of State Bank Of India, Smeccc Kozhikode, Calicut, Kerala — SBIN0061063

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 Smeccc Kozhikode branch in Kozhikode, Calicut, 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 Kozhikode or anywhere in Kerala can transfer funds instantly by using the correct IFSC Code SBIN0061063. 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, Smeccc Kozhikode, Kozhikode

The table below shows the main details of the IFSC Code SBIN0061063 for the State Bank Of India branch in Kozhikode, which falls under the Calicut district in Kerala.

These details are crucial, not just for online banking users but also for businesses and individuals who use State Bank Of India in Kozhikode for recurring financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code SBIN0061063 for the Smeccc Kozhikode 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 Smeccc Kozhikode, Kozhikode, Kerala, are allotted a unique IFSC like SBIN0061063 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 Smeccc Kozhikode reaches the right place, even though there are thousands of branches in Kerala and across India.

Format of the IFSC Code SBIN0061063

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 Smeccc Kozhikode in Kozhikode.

For example, the IFSC Code SBIN0061063 of State Bank Of India for the Smeccc Kozhikode branch includes these elements, identifying the bank and the branch location in Kozhikode and Kerala correctly.

How to Find IFSC Code for State Bank Of India?

If you are trying to find the IFSC Code SBIN0061063 of State Bank Of India for its Smeccc Kozhikode branch located in Kozhikode, 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

You can easily find the IFSC and MICR codes because most banks, including State Bank Of India branches in Kozhikode and Calicut, print them 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 Smeccc Kozhikode or Kozhikode to get the exact IFSC Code SBIN0061063.

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 Kozhikode, you'll get the correct details.

How to Use IFSC Code SBIN0061063 for Online Transfers?

Once you have the IFSC Code SBIN0061063 for the Smeccc 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 SBIN0061063. The transfer is completed in batches. It is useful for both personal and business payments.

RTGS

Used for payments over ₹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 SBIN0061063.

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 Smeccc 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 differ from IFSC codes. If you are looking for the MICR code of State Bank Of India in Smeccc Kozhikode, here are some ways to obtain 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.

Having both the IFSC and MICR codes makes it easy for account holders in Kozhikode to handle online money transfers and get their cheques cleared smoothly.