If you are searching for the IFSC code of State Bank of India, BUDGE BUDGE branch in BUDGE BUDGE, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is SBIN0002032. 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 BUDGE BUDGE branch, and detailed step-by-step guides for using the IFSC SBIN0002032 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.
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 – BUDGE BUDGE is SBIN0002032. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002032 map to this branch in BUDGE BUDGE, WEST BENGAL.
About State Bank of India
State Bank of India operates a wide network of branches across India, including the Budge Budge branch in Budge Budge. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, SBIN0002032.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Budge Budge |
| IFSC Code | SBIN0002032 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 38, MAHATMA GANDHI RD24-PARGANAS S WEST BENGAL |
| City | Budge Budge |
| District | South 24 Parganas |
| State | West Bengal |
About the Budge Budge branch
The Budge Budge branch of State Bank of India is situated at 38, MAHATMA GANDHI RD24-PARGANAS S WEST BENGAL. 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 SBIN0002032 is used.
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 BUDGE BUDGE of State Bank of India — its own 11-character IFSC. The code SBIN0002032 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 SBIN0002032 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Budge Budge branch
Once you have an account at State Bank of India – BUDGE BUDGE, the IFSC SBIN0002032 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 Budge Budge branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- 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 SBIN0002032
How to transfer money using IFSC SBIN0002032
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 SBIN0002032 across all three.
NEFT to State Bank of India, BUDGE BUDGE using IFSC SBIN0002032
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 SBIN0002032, and confirm that the system picks up State Bank of India – BUDGE BUDGE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BUDGE BUDGE
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's BUDGE BUDGE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0002032 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 – BUDGE BUDGE, use IMPS. With IFSC SBIN0002032 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 SBIN0002032 for State Bank of India – BUDGE BUDGE, 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 – SBIN0002032 | Yes – SBIN0002032 | Yes – SBIN0002032 |
For most retail customers crediting the Budge Budge 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 BUDGE BUDGE branch, the IFSC SBIN0002032 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.
Digital banking channels
Most day-to-day work that customers used to do at the Budge Budge 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 SBIN0002032 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.
MICR & cheque-truncation details
Cheques drawn on the Budge Budge branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0002032 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – BUDGE BUDGE:
- The IFSC is exactly SBIN0002032 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 BUDGE BUDGE 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 Budge Budge branch
The branch is located at 38, MAHATMA GANDHI RD24-PARGANAS S WEST BENGAL, which puts it inside Budge Budge, the broader South 24 Parganas district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “State Bank of India Budge Budge branch” — the verified location pin for IFSC SBIN0002032 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number 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 SBIN0002032 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC SBIN0002032 for State Bank of India – BUDGE BUDGE, 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 Budge Budge branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0002032, however, work 24x7.
Branch address & contact
State Bank of IndiaBudge Budge Branch
38, MAHATMA GANDHI RD24-PARGANAS S WEST BENGAL
Budge Budge, West Bengal
Phone: the branch contact number
IFSC: SBIN0002032
Frequently asked questions
Is IFSC SBIN0002032 the same for all accounts at Budge Budge branch?
Yes. The IFSC SBIN0002032 is shared by every account held at State Bank of India's Budge Budge branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using SBIN0002032 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Budge Budge reflect within 30 minutes.
Can I use IFSC SBIN0002032 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0002032 to send funds instantly.
What is the IFSC code of State Bank of India Budge Budge branch?
The IFSC code of State Bank of India, Budge Budge branch is SBIN0002032. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Budge Budge branch but serve different purposes.
Is IFSC SBIN0002032 valid for NEFT and RTGS?
Yes. IFSC SBIN0002032 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code SBIN0002032 belongs to State Bank of India's BUDGE BUDGE branch, located at 38, MAHATMA GANDHI RD24-PARGANAS S WEST BENGAL in BUDGE BUDGE, WEST BENGAL. 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.
