Use this page as a one-stop reference for everything related to State Bank of India's UTKUR ADB branch in ADILABAD, ANDHRA PRADESH. The branch's IFSC code SBIN0020386 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, SBIN0020386 is the IFSC of State Bank of India's UTKUR ADB branch. The format is fixed: SBIN = bank code, 0 = reserved, 020386 = branch identifier.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Utkur ADB |
| IFSC Code | SBIN0020386 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MUHNBHVNDNO5722O5726UKOOCHOWSHUKOOLUXEIPEMNDLDILBDDIS |
| City | Adilabad |
| District | Adilabad |
| State | Andhra Pradesh |
| STD Code | 8739 |
| Phone | 238035 |
About the bank
State Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Utkur ADB branch in Adilabad, Andhra Pradesh is part of this network and uses the IFSC code SBIN0020386 for all electronic settlement.
About the Utkur ADB branch
The Utkur ADB branch of State Bank of India is situated at MUHNBHVNDNO5722O5726UKOOCHOWSHUKOOLUXEIPEMNDLDILBDDIS. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code SBIN0020386 is used.
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how State Bank of India's UTKUR ADB branch came to be assigned the code SBIN0020386.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC SBIN0020386, money simply cannot be routed to the UTKUR ADB branch electronically.
How to transfer money using IFSC SBIN0020386
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC SBIN0020386 across all three.
How to use IFSC SBIN0020386 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's UTKUR ADB branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC SBIN0020386.
- Confirm the bank name auto-populates as State Bank of India and the branch as UTKUR ADB.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to UTKUR ADB
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's UTKUR ADB branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0020386 while initiating the transfer and the credit will appear within minutes.
IMPS to State Bank of India UTKUR ADB (IFSC SBIN0020386)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0020386 in your mobile or internet banking app, and the money is credited to the UTKUR ADB branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SBIN0020386 for State Bank of India – UTKUR ADB, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – SBIN0020386 | Yes – SBIN0020386 | Yes – SBIN0020386 |
For most retail customers crediting the Utkur ADB branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at State Bank of India's UTKUR ADB branch, the IFSC SBIN0020386 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Account types you can open at the Utkur ADB branch
Once you have an account at State Bank of India – UTKUR ADB, the IFSC SBIN0020386 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Utkur ADB branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8739-238035.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC SBIN0020386
MICR & cheque-truncation details
Cheques drawn on the Utkur ADB branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0020386 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC SBIN0020386
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the UTKUR ADB branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC SBIN0020386 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
Common mistakes to avoid when using IFSC SBIN0020386
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to State Bank of India – UTKUR ADB, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
SBIN0020386. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Utkur ADB branch sits at MUHNBHVNDNO5722O5726UKOOCHOWSHUKOOLUXEIPEMNDLDILBDDIS. If you are travelling from outside Adilabad, search for the branch on a maps application using the bank name and locality, or call 8739-238035 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC SBIN0020386 and your account number.
Verifying IFSC SBIN0020386 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm SBIN0020386 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8739-238035.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Utkur ADB are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to SBIN0020386 continue to work without interruption.
Branch address & contact
State Bank of IndiaUtkur ADB Branch
MUHNBHVNDNO5722O5726UKOOCHOWSHUKOOLUXEIPEMNDLDILBDDIS
Adilabad, Andhra Pradesh
Phone: 8739-238035
IFSC: SBIN0020386
Frequently asked questions
How do I add State Bank of India Utkur ADB as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0020386, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is State Bank of India Utkur ADB branch located?
State Bank of India's Utkur ADB branch is located at MUHNBHVNDNO5722O5726UKOOCHOWSHUKOOLUXEIPEMNDLDILBDDIS, Adilabad, Andhra Pradesh.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Utkur ADB branch but serve different purposes.
Is IFSC SBIN0020386 the same for all accounts at Utkur ADB branch?
Yes. The IFSC SBIN0020386 is shared by every account held at State Bank of India's Utkur ADB branch. Only the account number changes from customer to customer.
Is IFSC SBIN0020386 valid for NEFT and RTGS?
Yes. IFSC SBIN0020386 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using SBIN0020386 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Utkur ADB reflect within 30 minutes.
Final notes
To recap: SBIN0020386 is the IFSC code of State Bank of India, UTKUR ADB branch, in ADILABAD, ANDHRA PRADESH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
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