IFSC Code of State Bank of India, Stressed Assets Recovery Branch, Guwahati Branch, Assam

If you are searching for the IFSC code of State Bank of India, STRESSED ASSETS RECOVERY BRANCH, GUWAHATI branch in GUWAHATI, ASSAM, this page has every detail you need. The verified IFSC code for this branch is SBIN0018399. 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 STRESSED ASSETS RECOVERY BRANCH, GUWAHATI branch, and detailed step-by-step guides for using the IFSC SBIN0018399 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 – STRESSED ASSETS RECOVERY BRANCH, GUWAHATI is SBIN0018399. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 018399 map to this branch in GUWAHATI, ASSAM.

About State Bank of India

State Bank of India operates a wide network of branches across India, including the Stressed Assets Recovery Branch, Guwahati branch in Guwahati. 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, SBIN0018399.

Branch details at a glance

About this branch

The branch is located at ITM UNIVERSITY CAMPUS, TURARI, JHANSI ROAD, GWALIOR, DIST.GWALIOR, MADHYA PRADESH-474001. It serves the Guwahati 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 SBIN0018399 is used to identify this branch on the RBI payments network.

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 STRESSED ASSETS RECOVERY BRANCH, GUWAHATI of State Bank of India — its own 11-character IFSC. The code SBIN0018399 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 SBIN0018399 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Stressed Assets Recovery Branch, Guwahati branch is mapped to IFSC SBIN0018399 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 SBIN0018399.

Banking services available

The Stressed Assets Recovery Branch, Guwahati branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9435727455.

• 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 SBIN0018399

How to transfer money using IFSC SBIN0018399

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 SBIN0018399 across all three.

How to use IFSC SBIN0018399 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's STRESSED ASSETS RECOVERY BRANCH, GUWAHATI 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 SBIN0018399.
4. Confirm the bank name auto-populates as State Bank of India and the branch as STRESSED ASSETS RECOVERY BRANCH, GUWAHATI.
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 STRESSED ASSETS RECOVERY BRANCH, GUWAHATI

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's STRESSED ASSETS RECOVERY BRANCH, GUWAHATI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0018399 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 – STRESSED ASSETS RECOVERY BRANCH, GUWAHATI, use IMPS. With IFSC SBIN0018399 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 Stressed Assets Recovery Branch, Guwahati

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 SBIN0018399:

• 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 STRESSED ASSETS RECOVERY BRANCH, GUWAHATI is still linked to IFSC SBIN0018399.

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 STRESSED ASSETS RECOVERY BRANCH, GUWAHATI branch, the IFSC SBIN0018399 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 SBIN0018399

State Bank of India customers can register for net banking and the bank's official mobile app once their account at the STRESSED ASSETS RECOVERY BRANCH, GUWAHATI 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 SBIN0018399 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 SBIN0018399 and the account number together uniquely identify the Stressed Assets Recovery Branch, Guwahati 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 – STRESSED ASSETS RECOVERY BRANCH, GUWAHATI:

• The IFSC is exactly SBIN0018399 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 STRESSED ASSETS RECOVERY BRANCH, GUWAHATI 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 Stressed Assets Recovery Branch, Guwahati branch

The branch is located at ITM UNIVERSITY CAMPUS, TURARI, JHANSI ROAD, GWALIOR, DIST.GWALIOR, MADHYA PRADESH-474001, which puts it inside Guwahati, the broader Kamrup district, and the state of Assam. To plan your visit:

1. Open Google Maps on your phone and search for “State Bank of India Stressed Assets Recovery Branch, Guwahati branch” — the verified location pin for IFSC SBIN0018399 should appear at the top of the results.
2. Confirm the branch is open by calling 9435727455 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 SBIN0018399 and your account number.

Verifying IFSC SBIN0018399 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 SBIN0018399 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9435727455.
• 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 Stressed Assets Recovery Branch, Guwahati branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0018399, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SBIN0018399 belongs to State Bank of India's STRESSED ASSETS RECOVERY BRANCH, GUWAHATI branch, located at ITM UNIVERSITY CAMPUS, TURARI, JHANSI ROAD, GWALIOR, DIST.GWALIOR, MADHYA… in GUWAHATI, ASSAM. 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.