IFSC Code of State Bank of India, Baladiya, Kutch Branch, Gujarat

If you are searching for the IFSC code of State Bank of India, BALADIYA, KUTCH branch in BALADIA, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is SBIN0060389. 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 BALADIYA, KUTCH branch, and detailed step-by-step guides for using the IFSC SBIN0060389 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, SBIN0060389 is the IFSC of State Bank of India's BALADIYA, KUTCH branch. The format is fixed: SBIN = bank code, 0 = reserved, 060389 = branch identifier.

Branch details at a glance

Bank profile

State Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Baladiya, Kutch branch — IFSC SBIN0060389 — extends the bank's services to customers in and around Baladia, Gujarat.

About the Baladiya, Kutch branch

The Baladiya, Kutch branch of State Bank of India is situated at SHRI KUTCH SWAMINARAYAN TEMPLE UPLOVAS BALADHIAKUTCH 379427. 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 SBIN0060389 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 BALADIYA, KUTCH branch came to be assigned the code SBIN0060389.

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 SBIN0060389, money simply cannot be routed to the BALADIYA, KUTCH branch electronically.

How to transfer money using IFSC SBIN0060389

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 SBIN0060389 across all three.

How to use IFSC SBIN0060389 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's BALADIYA, KUTCH 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC SBIN0060389.
4. Confirm the bank name auto-populates as State Bank of India and the branch as BALADIYA, KUTCH.
5. 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 BALADIYA, KUTCH

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's BALADIYA, KUTCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0060389 while initiating the transfer and the credit will appear within minutes.

IMPS to State Bank of India BALADIYA, KUTCH (IFSC SBIN0060389)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0060389 in your mobile or internet banking app, and the money is credited to the BALADIYA, KUTCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Baladiya, Kutch

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC SBIN0060389:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at BALADIYA, KUTCH is still linked to IFSC SBIN0060389.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC SBIN0060389

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 – BALADIYA, KUTCH is still mapped to IFSC SBIN0060389. 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 SBIN0060389 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Baladiya, Kutch branch is mapped to IFSC SBIN0060389 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 SBIN0060389.

Banking services available

The Baladiya, Kutch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2832-282467.

• 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 SBIN0060389

MICR & cheque-truncation details

Cheques drawn on the Baladiya, Kutch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0060389 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Baladiya, Kutch branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC SBIN0060389 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Common mistakes to avoid when using IFSC SBIN0060389

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 – BALADIYA, KUTCH, 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: SBIN0060389.
• 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.

How to reach the Baladiya, Kutch branch

The branch is located at SHRI KUTCH SWAMINARAYAN TEMPLE UPLOVAS BALADHIAKUTCH 379427, which puts it inside Baladia, the broader Kutch district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “State Bank of India Baladiya, Kutch branch” — the verified location pin for IFSC SBIN0060389 should appear at the top of the results.
2. Confirm the branch is open by calling 2832-282467 before stepping out, especially around public holidays.
3. 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 SBIN0060389 and your account number.

Verifying IFSC SBIN0060389 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 SBIN0060389 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2832-282467.
• 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 Baladiya, Kutch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0060389, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SBIN0060389 belongs to State Bank of India's BALADIYA, KUTCH branch, located at SHRI KUTCH SWAMINARAYAN TEMPLE UPLOVAS BALADHIAKUTCH 379427 in BALADIA, GUJARAT. 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.