If you are searching for the IFSC code of State Bank of India, ATHIMUGAM branch in ATHIMUGAM, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is SBIN0040438. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the ATHIMUGAM branch, and detailed step-by-step guides for using the IFSC SBIN0040438 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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, SBIN0040438 is the IFSC of State Bank of India's ATHIMUGAM branch. The format is fixed: SBIN = bank code, 0 = reserved, 040438 = branch identifier.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Athimugam |
| IFSC Code | SBIN0040438 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ATHIMUGAM,DHARMAPURI,TAMIL NADU,ATHIMUGAM 635 105 |
| City | Athimugam |
| District | Krishnagiri |
| State | Tamil Nadu |
| STD Code | 4344 |
| Phone | 201145 |
Bank profile
State Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Athimugam branch — IFSC SBIN0040438 — extends the bank's services to customers in and around Athimugam, Tamil Nadu.
About this branch
The branch is located at ATHIMUGAM,DHARMAPURI,TAMIL NADU,ATHIMUGAM 635 105. It serves the Athimugam 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 SBIN0040438 is used to identify this branch on the RBI payments network.
Why every State Bank of India branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including ATHIMUGAM of State Bank of India — its own 11-character IFSC. The code SBIN0040438 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC SBIN0040438 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC SBIN0040438
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 SBIN0040438 across all three.
How to use IFSC SBIN0040438 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's ATHIMUGAM 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 SBIN0040438.
- Confirm the bank name auto-populates as State Bank of India and the branch as ATHIMUGAM.
- 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 ATHIMUGAM
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's ATHIMUGAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0040438 while initiating the transfer and the credit will appear within minutes.
IMPS to State Bank of India ATHIMUGAM (IFSC SBIN0040438)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0040438 in your mobile or internet banking app, and the money is credited to the ATHIMUGAM branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SBIN0040438 for State Bank of India – ATHIMUGAM, 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 – SBIN0040438 | Yes – SBIN0040438 | Yes – SBIN0040438 |
For most retail customers crediting the Athimugam 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 SBIN0040438
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 – ATHIMUGAM is still mapped to IFSC SBIN0040438. 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 SBIN0040438 and the beneficiary's account number to complete the transfer.
Account types you can open at the Athimugam branch
Once you have an account at State Bank of India – ATHIMUGAM, the IFSC SBIN0040438 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.
Products and services
Customers walking into the Athimugam branch can access most of State Bank of India's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC SBIN0040438
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 SBIN0040438 and the account number together uniquely identify the Athimugam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC SBIN0040438
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the ATHIMUGAM 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 SBIN0040438 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 – ATHIMUGAM:
- The IFSC is exactly SBIN0040438 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 ATHIMUGAM 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 Athimugam branch
The branch is located at ATHIMUGAM,DHARMAPURI,TAMIL NADU,ATHIMUGAM 635 105, which puts it inside Athimugam, the broader Krishnagiri district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “State Bank of India Athimugam branch” — the verified location pin for IFSC SBIN0040438 should appear at the top of the results.
- Confirm the branch is open by calling 4344-201145 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 SBIN0040438 and your account number.
Verifying IFSC SBIN0040438 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 SBIN0040438 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4344-201145.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Athimugam 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 SBIN0040438 continue to work without interruption.
Branch address & contact
State Bank of IndiaAthimugam Branch
ATHIMUGAM,DHARMAPURI,TAMIL NADU,ATHIMUGAM 635 105
Athimugam, Tamil Nadu
Phone: 4344-201145
IFSC: SBIN0040438
Frequently asked questions
How quickly will an NEFT transfer using SBIN0040438 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Athimugam reflect within 30 minutes.
Does State Bank of India Athimugam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 4344-201145 to confirm.
Can I use IFSC SBIN0040438 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0040438 to send funds instantly.
Where is State Bank of India Athimugam branch located?
State Bank of India's Athimugam branch is located at ATHIMUGAM,DHARMAPURI,TAMIL NADU,ATHIMUGAM 635 105, Athimugam, Tamil Nadu.
How do I add State Bank of India Athimugam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0040438, 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 Athimugam branch but serve different purposes.
Is IFSC SBIN0040438 the same for all accounts at Athimugam branch?
Yes. The IFSC SBIN0040438 is shared by every account held at State Bank of India's Athimugam branch. Only the account number changes from customer to customer.
What is the phone number of State Bank of India Athimugam branch?
You can reach the branch at 4344-201145 during regular banking hours.
Summary
The IFSC code SBIN0040438 belongs to State Bank of India's ATHIMUGAM branch, located at ATHIMUGAM,DHARMAPURI,TAMIL NADU,ATHIMUGAM 635 105 in ATHIMUGAM, TAMIL NADU. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
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