IFSC Code of State Bank of India, Shivaji Circle Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for State Bank of India, SHIVAJI CIRCLE branch in BHAVNAGAR. The 11-digit IFSC SBIN0013539 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with State Bank of India at the SHIVAJI CIRCLE location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 – SHIVAJI CIRCLE is SBIN0013539. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 013539 map to this branch in BHAVNAGAR, GUJARAT.

Bank profile

State Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Shivaji Circle branch — IFSC SBIN0013539 — extends the bank's services to customers in and around Bhavnagar, Gujarat.

Branch details at a glance

About this branch

The branch is located at NEAR SHIVAJI CIRCLE,PANCHWATI CHOWK,SUBHASHNAGAR,BHAVNAGAR 364002. It serves the Bhavnagar 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 SBIN0013539 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 SHIVAJI CIRCLE branch came to be assigned the code SBIN0013539.

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 SBIN0013539, money simply cannot be routed to the SHIVAJI CIRCLE branch electronically.

Account types you can open at the Shivaji Circle branch

Once you have an account at State Bank of India – SHIVAJI CIRCLE, the IFSC SBIN0013539 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 Shivaji Circle branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 278-2201563.

• 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 SBIN0013539

How to transfer money using IFSC SBIN0013539

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 SBIN0013539 across all three.

How to use IFSC SBIN0013539 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's SHIVAJI CIRCLE 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 SBIN0013539.
4. Confirm the bank name auto-populates as State Bank of India and the branch as SHIVAJI CIRCLE.
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 SHIVAJI CIRCLE

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's SHIVAJI CIRCLE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0013539 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 – SHIVAJI CIRCLE, use IMPS. With IFSC SBIN0013539 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 SBIN0013539 for State Bank of India – SHIVAJI CIRCLE, 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.

For most retail customers crediting the Shivaji Circle 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 SHIVAJI CIRCLE branch, the IFSC SBIN0013539 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.

Online banking and IFSC SBIN0013539

State Bank of India customers can register for net banking and the bank's official mobile app once their account at the SHIVAJI CIRCLE 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 SBIN0013539 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.

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 SBIN0013539 and the account number together uniquely identify the Shivaji Circle branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – SHIVAJI CIRCLE:

• The IFSC is exactly SBIN0013539 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 SHIVAJI CIRCLE 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.

Reaching the branch

The Shivaji Circle branch sits at NEAR SHIVAJI CIRCLE,PANCHWATI CHOWK,SUBHASHNAGAR,BHAVNAGAR 364002. If you are travelling from outside Bhavnagar, search for the branch on a maps application using the bank name and locality, or call 278-2201563 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 SBIN0013539 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SBIN0013539 for State Bank of India – SHIVAJI CIRCLE, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

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 Shivaji Circle branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0013539, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: SBIN0013539 is the IFSC code of State Bank of India, SHIVAJI CIRCLE branch, in BHAVNAGAR, GUJARAT. 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.