Below are the complete branch details for State Bank of India, SME ELURU VIJAYAWADA branch, located in AMARAVATI, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0063644. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case SBIN0063644 for State Bank of India – SME ELURU VIJAYAWADA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for State Bank of India – SME ELURU VIJAYAWADA is SBIN0063644. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 063644 map to this branch in AMARAVATI, ANDHRA PRADESH.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | SME Eluru Vijayawada |
| IFSC Code | SBIN0063644 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR VAIBHAV FORT APARTMENT, AGRAHARAM,ELURU |
| City | Amaravati |
| District | Amaravati |
| State | Andhra Pradesh |
| Phone | 9133157475 |
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 SME Eluru Vijayawada branch in Amaravati, Andhra Pradesh is part of this network and uses the IFSC code SBIN0063644 for all electronic settlement.
About this branch
The branch is located at GROUND FLOOR VAIBHAV FORT APARTMENT, AGRAHARAM,ELURU. It serves the Amaravati region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of State Bank of India. The IFSC SBIN0063644 is used to identify this branch on the RBI payments network.
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 SME ELURU VIJAYAWADA branch came to be assigned the code SBIN0063644.
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 SBIN0063644, money simply cannot be routed to the SME ELURU VIJAYAWADA branch electronically.
How to transfer money using IFSC SBIN0063644
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 SBIN0063644 across all three.
NEFT to State Bank of India, SME ELURU VIJAYAWADA using IFSC SBIN0063644
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC SBIN0063644, and confirm that the system picks up State Bank of India – SME ELURU VIJAYAWADA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to SME ELURU VIJAYAWADA
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's SME ELURU VIJAYAWADA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0063644 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to State Bank of India – SME ELURU VIJAYAWADA, use IMPS. With IFSC SBIN0063644 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SBIN0063644 for State Bank of India – SME ELURU VIJAYAWADA, 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 – SBIN0063644 | Yes – SBIN0063644 | Yes – SBIN0063644 |
For most retail customers crediting the SME Eluru Vijayawada 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.
UPI payments and IFSC SBIN0063644
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at State Bank of India – SME ELURU VIJAYAWADA is still mapped to IFSC SBIN0063644. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC SBIN0063644 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the SME Eluru Vijayawada branch is mapped to IFSC SBIN0063644 on the RBI payments network. The branch generally supports the full retail product catalogue of State Bank of India, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains SBIN0063644.
Banking services available
The SME Eluru Vijayawada branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9133157475.
- 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 SBIN0063644
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by State Bank of India carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC SBIN0063644 and the account number together uniquely identify the SME Eluru Vijayawada branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC SBIN0063644
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the SME ELURU VIJAYAWADA 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 SBIN0063644 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.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to State Bank of India – SME ELURU VIJAYAWADA:
- The IFSC is exactly SBIN0063644 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills State Bank of India as the bank name and SME ELURU VIJAYAWADA as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
How to reach the SME Eluru Vijayawada branch
The branch is located at GROUND FLOOR VAIBHAV FORT APARTMENT, AGRAHARAM,ELURU, which puts it inside Amaravati, the broader Amaravati district, and the state of Andhra Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “State Bank of India SME Eluru Vijayawada branch” — the verified location pin for IFSC SBIN0063644 should appear at the top of the results.
- Confirm the branch is open by calling 9133157475 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC SBIN0063644 and your account number.
Verifying IFSC SBIN0063644 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 SBIN0063644 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 9133157475.
- Visiting the bank's official branch locator page.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The SME Eluru Vijayawada branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0063644, however, work 24x7.
Branch address & contact
State Bank of IndiaSME Eluru Vijayawada Branch
GROUND FLOOR VAIBHAV FORT APARTMENT, AGRAHARAM,ELURU
Amaravati, Andhra Pradesh
Phone: 9133157475
IFSC: SBIN0063644
Frequently asked questions
How do I add State Bank of India SME Eluru Vijayawada as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0063644, and complete OTP verification. Once activated, you can transfer funds at any time.
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 SME Eluru Vijayawada branch but serve different purposes.
What is the IFSC code of State Bank of India SME Eluru Vijayawada branch?
The IFSC code of State Bank of India, SME Eluru Vijayawada branch is SBIN0063644. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using SBIN0063644 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – SME Eluru Vijayawada reflect within 30 minutes.
Is IFSC SBIN0063644 the same for all accounts at SME Eluru Vijayawada branch?
Yes. The IFSC SBIN0063644 is shared by every account held at State Bank of India's SME Eluru Vijayawada branch. Only the account number changes from customer to customer.
Can I use IFSC SBIN0063644 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0063644 to send funds instantly.
Does State Bank of India SME Eluru Vijayawada branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 9133157475 to confirm.
Is IFSC SBIN0063644 valid for NEFT and RTGS?
Yes. IFSC SBIN0063644 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: SBIN0063644 is the IFSC code of State Bank of India, SME ELURU VIJAYAWADA branch, in AMARAVATI, 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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