State Bank of India — RACC PALA

KOTTAYAM, KERALA

IFSC Code

SBIN0064648

MICR Code

Not available

Branch

RACC PALA

Bank

State Bank of India

District

KOTTAYAM

State

KERALA

Contact

+919446478065

Address

STATE BANK OF INDIA RACC PALA VIII/130A,MAIN ROAD,PALA,KOTTAYAM -686575

Get Directions to This Branch

Using IFSC SBIN0064648 for money transfers

To move funds into an account held at RACC PALA (State Bank of India) using NEFT, the sender's bank needs this branch's IFSC code — SBIN0064648. NEFT settles in batches throughout the day, so it's a good fit for transfers that don't need to land instantly.

RTGS is the go-to option when transferring large sums (₹2 lakh+) to RACC PALA in KOTTAYAM, since each transfer is settled individually and immediately rather than bundled with others.

Need money at State Bank of India, RACC PALA right now? IMPS settles instantly, 24x7, including weekends and holidays — unlike NEFT/RTGS, which follow banking-hour batch or settlement windows.

NEFT & RTGS Timing — System Hours vs. Branch Hours

A distinction that matters if you're transferring to RACC PALA: the RBI settlement system runs 24x7 for NEFT and RTGS, but that doesn't mean this specific branch is open around the clock. Online transfers process any time; in-person or cash-based requests still depend on the branch actually being open.

MethodSystem HoursIf Visiting RACC PALA In Person
NEFT24x7x365, including weekends and holidays (RBI mandate since 16 Dec 2019)Online/net-banking NEFT processes any time. An in-branch, cash, or cheque-based NEFT request still depends on that branch's working hours.
RTGS24x7x365, including weekends and holidays (RBI mandate since 14 Dec 2020)Minimum transfer amount is ₹2 lakh. Same system-vs-branch-hours distinction as NEFT applies for in-person requests.
IMPS24x7x365 — always has been, no banking-hours restriction at the system level.Typically capped per transaction depending on your bank's own limits (often around ₹5 lakh).

Sending funds to this State Bank of India branch takes just a few steps:

  1. Log in to your bank's net banking portal or mobile banking app.
  2. Add a new beneficiary/payee, entering the recipient's full name and account number.
  3. Enter the IFSC code SBIN0064648 when prompted — this routes the transfer to RACC PALA specifically.
  4. Most banks require a short cooling-off period (often a few hours) after adding a new beneficiary before the first transfer.
  5. Once the beneficiary is active, choose NEFT, RTGS, or IMPS based on the amount and how quickly you need it to arrive.
  6. Enter the amount, review the details (name, account number, IFSC), and confirm with your OTP/PIN.

Frequently asked questions

What is the IFSC code of the State Bank of India RACC PALA branch?

The IFSC code for State Bank of India's RACC PALA branch in KOTTAYAM, KERALA is SBIN0064648. This 11-character code is required for NEFT, RTGS, and IMPS transfers to any account held at this branch.

What is the MICR code of this branch?

A MICR code isn't listed for this branch in our records. MICR codes are used specifically for cheque clearing — if you need one, it's best to confirm directly with the branch, since it doesn't affect NEFT/RTGS/IMPS transfers, which only need the IFSC code (SBIN0064648).

Where is the RACC PALA branch of State Bank of India located?

This branch is located at: STATE BANK OF INDIA RACC PALA VIII/130A,MAIN ROAD,PALA,KOTTAYAM -686575. It falls under KOTTAYAM district, KERALA.

Can I use this IFSC code for both NEFT and RTGS transfers?

Yes — the same IFSC code (SBIN0064648) is used for NEFT, RTGS, and IMPS transfers to this branch. Which one you should pick depends on the amount and urgency, not the code itself: RTGS for ₹2 lakh+ needing near-instant settlement, NEFT for regular batch-processed transfers, and IMPS for smaller amounts that need to land in seconds.

Is there a phone number for this branch?

Yes, this branch's listed contact number is +919446478065.

Other State Bank of India branches in KOTTAYAM

AMMANCHERRYANTHINADARUMANOORATHIRAMPUZHAAYMANAMBHARANANGANAMCAC ALAPPUZHA TOWNCAC KOTTAYAM

State Bank of India in other districts of KERALA

THIRUVANANTHAPURAM (111)ERNAKULAM (70)CALICUT (52)THRISSUR (52)KOLLAM (47)PALAKKAD (44)KOCHI (37)PATHANAMTHITTA (29)

IFSC and MICR code data sourced from bank-published branch records. While we take care to keep this current, always confirm the IFSC code with your bank before making a large transfer — see our disclaimer for details.