IFSC Code of State Bank of India, Ota, St. Thomas Mount Branch, Tamil Nadu

Below are the complete branch details for State Bank of India, OTA, ST. THOMAS MOUNT branch, located in CHENNAI, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0014893. 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 SBIN0014893 for State Bank of India – OTA, ST. THOMAS MOUNT — 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 – OTA, ST. THOMAS MOUNT is SBIN0014893. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 014893 map to this branch in CHENNAI, TAMIL NADU.

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 Ota, St. Thomas Mount branch — IFSC SBIN0014893 — extends the bank's services to customers in and around Chennai, Tamil Nadu.

Ota, St. Thomas Mount branch overview

Located at ROOM NO 4,BARRACK NO E 20,OFFICERS TRAINING ACADEMY,ST THOMAS MOUNT,CHENNAI 600016, the Ota, St. Thomas Mount branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0014893 is required for all interbank electronic transfers routed through this branch.

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 OTA, ST. THOMAS MOUNT branch came to be assigned the code SBIN0014893.

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 SBIN0014893, money simply cannot be routed to the OTA, ST. THOMAS MOUNT branch electronically.

How to transfer money using IFSC SBIN0014893

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 SBIN0014893 across all three.

NEFT to State Bank of India, OTA, ST. THOMAS MOUNT using IFSC SBIN0014893

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 SBIN0014893, and confirm that the system picks up State Bank of India – OTA, ST. THOMAS MOUNT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to OTA, ST. THOMAS MOUNT

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's OTA, ST. THOMAS MOUNT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0014893 while initiating the transfer and the credit will appear within minutes.

IMPS to State Bank of India OTA, ST. THOMAS MOUNT (IFSC SBIN0014893)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0014893 in your mobile or internet banking app, and the money is credited to the OTA, ST. THOMAS MOUNT branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC SBIN0014893 for State Bank of India – OTA, ST. THOMAS MOUNT, 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 Ota, St. Thomas Mount 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 OTA, ST. THOMAS MOUNT branch, the IFSC SBIN0014893 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.

Products and account variants supported

Every account opened at the Ota, St. Thomas Mount branch is mapped to IFSC SBIN0014893 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 SBIN0014893.

Products and services

Customers walking into the Ota, St. Thomas Mount 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 SBIN0014893

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 SBIN0014893 and the account number together uniquely identify the Ota, St. Thomas Mount branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Ota, St. Thomas Mount 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 SBIN0014893 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 SBIN0014893

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 – OTA, ST. THOMAS MOUNT, 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: SBIN0014893.
• 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.

Reaching the branch

The Ota, St. Thomas Mount branch sits at ROOM NO 4,BARRACK NO E 20,OFFICERS TRAINING ACADEMY,ST THOMAS MOUNT,CHENNAI 600016. If you are travelling from outside Chennai, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 SBIN0014893 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SBIN0014893 for State Bank of India – OTA, ST. THOMAS MOUNT, 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 Ota, St. Thomas Mount branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0014893, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: SBIN0014893 is the IFSC code of State Bank of India, OTA, ST. THOMAS MOUNT branch, in CHENNAI, TAMIL NADU. 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.