How do I find my bank's IFSC code?

You can find your bank's IFSC code printed on your cheque leaf or passbook. Alternatively, search on Bankonic by selecting your bank, state, and branch.

Can I apply for a personal loan using my IFSC code?

Yes! Banks use your IFSC code to verify your existing bank account during loan applications. Having an active account with verified IFSC speeds up loan processing.

Is my money safe during online transfers using IFSC?

Yes, NEFT/RTGS/IMPS transfers using IFSC codes are highly secure. All transactions are encrypted and monitored by RBI.

How many bank branches are in Kerala?

There are 13 bank branches currently operating in Kerala, Kerala. Our directory includes branches from 3 different banks with verified IFSC codes, MICR codes, addresses, and contact details. All data is sourced from RBI/NPCI and updated as of February 19, 2026.

Which banks have the most branches in Kerala?

State Bank Of India has the most branches in Kerala with 8 locations, followed by Utkarsh Small Finance Bank with 4 branches and Au Small Finance Bank Limited with 1 branches. You can view complete branch lists for each bank using our search tool above.

How do I find the IFSC code for a specific bank branch in Kerala?

To find an IFSC code in Kerala: 1) Use the search box above and select your bank from the dropdown, 2) Browse the complete branch list below and use Ctrl+F to search for your branch name or area, 3) Click on any bank in the "Popular Banks" section to see all their Kerala branches, or 4) Visit the specific bank page (e.g., /banks/sbi) and filter by Kerala.

What is an IFSC code and why do I need it?

IFSC (Indian Financial System Code) is an 11-character alphanumeric code that uniquely identifies every bank branch in India. You need the IFSC code for all electronic fund transfers including NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), IMPS (Immediate Payment Service), and UPI payments. The first 4 characters represent the bank, the 5th is always 0, and the last 6 identify the specific branch.

Are the IFSC codes on this page verified and up-to-date?

Yes, all IFSC codes for Kerala branches are sourced directly from RBI (Reserve Bank of India) and NPCI (National Payments Corporation of India) databases. Our data was last updated on February 19, 2026 and includes verified branch addresses, MICR codes, and contact information. We regularly sync with official sources to ensure accuracy.

Can I search for branches by area or PIN code in Kerala?

Yes, you can search for branches by area within Kerala. Use the search box above or scroll through the complete branch table below and use the search filter to enter your area name, PIN code, or branch name. The table will instantly filter results to show only matching branches in Kerala.

What if I can't find my bank branch in Kerala?

If you cannot find a specific branch in Kerala: 1) Check nearby areas listed at the bottom of this page, 2) Try searching by the bank name instead of branch name, 3) Use our national IFSC search on the homepage, or 4) Check if the branch is newly opened (we update data regularly but there may be a delay for very new branches). You can also contact us to report missing branches.

How do I use an IFSC code for online money transfer?

To use an IFSC code for online transfer: 1) Log into your bank's net banking or mobile app, 2) Go to 'Add Beneficiary' or 'Fund Transfer' section, 3) Enter the beneficiary's account number, 4) Enter the IFSC code of their bank branch (you can copy it from this page), 5) Verify details and complete registration, 6) After approval (usually instant to 24 hours), you can transfer money via NEFT/RTGS/IMPS.

Is there a standard format for IFSC codes in Kerala?

Yes, all IFSC codes in Kerala (and across India) follow the same 11-character format: First 4 characters = Bank code (e.g., 'SBIN' for State Bank of India), 5th character = Always '0' (reserved for future use), Last 6 characters = Branch code (unique to each branch). Example: SBIN0001234 where SBIN is the bank, 0 is standard, and 001234 identifies the specific Kerala branch.

How often is the Kerala IFSC code data updated?

We update our Kerala IFSC code database regularly by syncing with RBI and NPCI official sources. The current data was last updated on February 19, 2026. We perform updates monthly to include new branches, closed branches, and any changes to existing branch details. You can always check the "Last Updated" date at the top of this page for the most recent data refresh.

Kerala, Kerala

IFSC & MICR Codes for All Bank Branches in Kerala – 2026 Updated

Complete directory of 13+ bank branches across 3 banks with verified IFSC codes, addresses, and contact details

13+

Bank Branches

Banks

100%

RBI Verified

RBI/NPCI Sourced

Verified Data

Last Updated

February 19, 2026

13 Branches

Verified Records

Popular Banks in Kerala

State Bank Of India

8 Branches

Utkarsh Small Finance Bank

4 Branches

Au Small Finance Bank Limited

1 Branch

Search IFSC Codes in Kerala

Pre-filtered to Kerala branches

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Or Search by Branch Name

Find IFSC, MICR codes, branch addresses, and contact details for all banks in Kerala

All Bank Branches in Kerala (13 Branches)

Bank	Branch Name	Address	IFSC Code	MICR	Contact
Au Small Finance Bank Limited	M G Road Kochi	Building Door Nos. 62/5202 And 62/5203, Ground Floor, Kandomkulathy Tower, Mg Road, Kochi, Kerala, Kerala, India	AUBL0002670	682765002	9358816004
State Bank Of India	Changacherry	Pb No 28, Swapana Building, Kavala, Changanacherry, Kottayam, Kerala, Pin 686101, Kerala, Trissur, Kerala, India	SBIN0008603	686002052	481-2411169
State Bank Of India	Kozhencherry	P.B.No.13, Govt Hospital Road, Kozhenchery, Dist Pathanamthitta, Kerala, Pin 689641, Kerala, Kottayam, Kerala, India	SBIN0008634	689002152	468-2313123
State Bank Of India	Mangalapuram	Thonnakka Post, Trivandrum, Thiruvananthapuram, Kerala, Pin 695313, Kerala, Trivandrum, Kerala, India	SBIN0005317	695002023	4710-2618246
State Bank Of India	Palarivattom, Ernakulam	Civil Line Road,Palarivattom ,Ernakulam Kerala ,Pin - 682025, Kerala, Ernakulam, Kerala, India	SBIN0004312	682002011	4840-2338801
State Bank Of India	Pbb,Thiruvananthapuram	Tc 2 By 274,Vazhveli Buildings,Vilor-Kesavadasapuram Road,Pattom,, Kerala ,Pin-695004, Kerala, Trivandrum, Kerala, India	SBIN0004182	695002018	471-2448655
State Bank Of India	Perambra Adb	P.B.No.1,Perambra,Kozhikode,Kerala, Kerala, Kozhikode, Kerala, India	SBIN0003995	673002102	496-2610229
State Bank Of India	Thirunakkara	Pb No 180, C Block- Muncipal Bus Stand, Kottayam, Kerala, Pin 686001, Kerala, Ernakulam, Kerala, India	SBIN0008633	686002008	481-2568051
State Bank Of India	Vadakara	Kozhikode, State Kerala, Kerala, Kozhikode, Kerala, India	SBIN0005048	673002302	496-2512237
Utkarsh Small Finance Bank	Kalamassery, Kochi	Arkay Building Ground Floor Door No.402 Eloor Road Opp Of Ganpathy Temple North Kalamassery Ernakulam Kerala -683104, Kerala, Kerala, Kerala, India	UTKS0001744	683762002	N/A
Utkarsh Small Finance Bank	Kozhikode	Rudfirn.62/1803-A Ymcacrssradkzhikdekerala673001, Kerala, Kozhikode, Kerala, India	UTKS0001698	673762002	8001239878
Utkarsh Small Finance Bank	Malappuram	Ground Floor Door No.18/733 And 18/734 Nechikkadan Tower Uphill Malappuram Opposite Of Ksrtc Terminal Malappuram Kerala Pincode -676505, Kerala, Kerala, Kerala, India	UTKS0001735	676762002	N/A
Utkarsh Small Finance Bank	Pathanamthitta	Grd Floor Monys Arcade Makkamkunnu College Road Door No.29/790 Survey No P.17/1/18 Of Pathanamthitta Vill - Kozhencherry Pathanamthitta Kerala Pin Code-689645, Kerala, Kerala, Kerala, India	UTKS0001729	689762002	N/A

Au Small Finance Bank Limited

M G Road Kochi

Building Door Nos. 62/5202 And 62/5203, Ground Floor, Kandomkulathy Tower, Mg Road, Kochi, Kerala, Kerala, India

IFSC Code

AUBL0002670

MICR Code

682765002

9358816004

State Bank Of India

Changacherry

Pb No 28, Swapana Building, Kavala, Changanacherry, Kottayam, Kerala, Pin 686101, Kerala, Trissur, Kerala, India

IFSC Code

SBIN0008603

MICR Code

686002052

481-2411169

State Bank Of India

Kozhencherry

P.B.No.13, Govt Hospital Road, Kozhenchery, Dist Pathanamthitta, Kerala, Pin 689641, Kerala, Kottayam, Kerala, India

IFSC Code

SBIN0008634

MICR Code

689002152

468-2313123

State Bank Of India

Mangalapuram

Thonnakka Post, Trivandrum, Thiruvananthapuram, Kerala, Pin 695313, Kerala, Trivandrum, Kerala, India

IFSC Code

SBIN0005317

MICR Code

695002023

4710-2618246

State Bank Of India

Palarivattom, Ernakulam

Civil Line Road,Palarivattom ,Ernakulam Kerala ,Pin - 682025, Kerala, Ernakulam, Kerala, India

IFSC Code

SBIN0004312

MICR Code

682002011

4840-2338801

State Bank Of India

Pbb,Thiruvananthapuram

Tc 2 By 274,Vazhveli Buildings,Vilor-Kesavadasapuram Road,Pattom,, Kerala ,Pin-695004, Kerala, Trivandrum, Kerala, India

IFSC Code

SBIN0004182

MICR Code

695002018

471-2448655

State Bank Of India

Perambra Adb

P.B.No.1,Perambra,Kozhikode,Kerala, Kerala, Kozhikode, Kerala, India

IFSC Code

SBIN0003995

MICR Code

673002102

496-2610229

State Bank Of India

Thirunakkara

Pb No 180, C Block- Muncipal Bus Stand, Kottayam, Kerala, Pin 686001, Kerala, Ernakulam, Kerala, India

IFSC Code

SBIN0008633

MICR Code

686002008

481-2568051

State Bank Of India

Vadakara

Kozhikode, State Kerala, Kerala, Kozhikode, Kerala, India

IFSC Code

SBIN0005048

MICR Code

673002302

496-2512237

Utkarsh Small Finance Bank

Kalamassery, Kochi

Arkay Building Ground Floor Door No.402 Eloor Road Opp Of Ganpathy Temple North Kalamassery Ernakulam Kerala -683104, Kerala, Kerala, Kerala, India

IFSC Code

UTKS0001744

MICR Code

683762002

Utkarsh Small Finance Bank

Kozhikode

Rudfirn.62/1803-A Ymcacrssradkzhikdekerala673001, Kerala, Kozhikode, Kerala, India

IFSC Code

UTKS0001698

MICR Code

673762002

8001239878

Utkarsh Small Finance Bank

Malappuram

Ground Floor Door No.18/733 And 18/734 Nechikkadan Tower Uphill Malappuram Opposite Of Ksrtc Terminal Malappuram Kerala Pincode -676505, Kerala, Kerala, Kerala, India

IFSC Code

UTKS0001735

MICR Code

676762002

Utkarsh Small Finance Bank

Pathanamthitta

Grd Floor Monys Arcade Makkamkunnu College Road Door No.29/790 Survey No P.17/1/18 Of Pathanamthitta Vill - Kozhencherry Pathanamthitta Kerala Pin Code-689645, Kerala, Kerala, Kerala, India

IFSC Code

UTKS0001729

MICR Code

689762002

Nearby Cities & Areas for Bank Branches

Looking for bank branches near Kerala? Explore IFSC codes in these nearby cities in Kerala:

View all cities in Kerala

How to Find & Use IFSC Codes in Kerala

Find Your Branch

Use the search above to find your bank branch in Kerala. You can search by bank name, branch name, or area.

Verify Details

Check the branch address, contact details, and verify it matches your bank location.

Copy IFSC Code

Click on the IFSC code to copy it. It's an 11-character code unique to each branch.

Use for Transfers

Enter the IFSC code during NEFT, RTGS, IMPS, or UPI transactions to transfer money accurately.

What is an IFSC Code?

IFSC (Indian Financial System Code) is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to identify bank branches uniquely across India. The first 4 characters represent the bank, the 5th character is 0 (reserved for future use), and the last 6 characters identify the specific branch. Every bank branch in Kerala has a unique IFSC code required for electronic fund transfers like NEFT, RTGS, and IMPS.

Frequently Asked Questions – IFSC Codes in Kerala

Related Resources

Back to Kerala All States & Cities All Banks National IFSC Finder

About IFSC Codes in Kerala

Kerala is a major financial hub in Kerala, hosting 13 bank branches from 3 different banking institutions. Each branch has a unique IFSC code required for electronic fund transfers across India. Whether you're setting up NEFT payments, receiving salary via RTGS, or using IMPS for instant transfers, having the correct IFSC code for your Kerala bank branch is essential.

Our comprehensive directory includes all major banks operating in Kerala, including State Bank Of India, Utkarsh Small Finance Bank, Au Small Finance Bank Limited, and many more. Each listing provides complete details including the 11-character IFSC code, 9-digit MICR code (for cheque processing), full branch address, and contact phone numbers where available.

All data on this page is sourced from official RBI and NPCI databases and is regularly updated to ensure accuracy. Whether you're a Kerala resident looking for your home branch, a business setting up vendor payments, or someone sending money to Kerala, you'll find all the IFSC codes you need right here.