IFSC Code of State Bank of India, Lal Kuan, Ghaziabad Branch, Uttar Pradesh

If you are searching for the IFSC code of State Bank of India, LAL KUAN, GHAZIABAD branch in GHAZIABAD, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is SBIN0013409. 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 LAL KUAN, GHAZIABAD branch, and detailed step-by-step guides for using the IFSC SBIN0013409 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 – LAL KUAN, GHAZIABAD is SBIN0013409. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 013409 map to this branch in GHAZIABAD, UTTAR PRADESH.

About the bank

State Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Lal Kuan, Ghaziabad branch in Ghaziabad, Uttar Pradesh is part of this network and uses the IFSC code SBIN0013409 for all electronic settlement.

Branch details at a glance

About the Lal Kuan, Ghaziabad branch

The Lal Kuan, Ghaziabad branch of State Bank of India is situated at GBD,PLOT NO 1 BY 2 SURAJ MAL COMPOUND,LAL KUAN CHOWK,UP,DISTGHAZIABAD201002. 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 SBIN0013409 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 LAL KUAN, GHAZIABAD branch came to be assigned the code SBIN0013409.

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 SBIN0013409, money simply cannot be routed to the LAL KUAN, GHAZIABAD branch electronically.

Products and account variants supported

Every account opened at the Lal Kuan, Ghaziabad branch is mapped to IFSC SBIN0013409 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 SBIN0013409.

Products and services

Customers walking into the Lal Kuan, Ghaziabad 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 SBIN0013409

How to transfer money using IFSC SBIN0013409

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 SBIN0013409 across all three.

NEFT to State Bank of India, LAL KUAN, GHAZIABAD using IFSC SBIN0013409

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 SBIN0013409, and confirm that the system picks up State Bank of India – LAL KUAN, GHAZIABAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to LAL KUAN, GHAZIABAD

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's LAL KUAN, GHAZIABAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0013409 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 – LAL KUAN, GHAZIABAD, use IMPS. With IFSC SBIN0013409 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Lal Kuan, Ghaziabad

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 SBIN0013409:

• 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 LAL KUAN, GHAZIABAD is still linked to IFSC SBIN0013409.

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.

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 LAL KUAN, GHAZIABAD branch, the IFSC SBIN0013409 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 Lal Kuan, Ghaziabad 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 SBIN0013409 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 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 SBIN0013409 and the account number together uniquely identify the Lal Kuan, Ghaziabad 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 – LAL KUAN, GHAZIABAD:

• The IFSC is exactly SBIN0013409 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 LAL KUAN, GHAZIABAD 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 Lal Kuan, Ghaziabad branch

The branch is located at GBD,PLOT NO 1 BY 2 SURAJ MAL COMPOUND,LAL KUAN CHOWK,UP,DISTGHAZIABAD201002, which puts it inside Ghaziabad, the broader Ghaziabad district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “State Bank of India Lal Kuan, Ghaziabad branch” — the verified location pin for IFSC SBIN0013409 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 SBIN0013409 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SBIN0013409 for State Bank of India – LAL KUAN, GHAZIABAD, 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 Lal Kuan, Ghaziabad branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0013409, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SBIN0013409 belongs to State Bank of India's LAL KUAN, GHAZIABAD branch, located at GBD,PLOT NO 1 BY 2 SURAJ MAL COMPOUND,LAL KUAN CHOWK,UP,DISTGHAZIABAD201002 in GHAZIABAD, UTTAR PRADESH. 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.