IFSC Code of State Bank of India, Adarsh Nagar Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for State Bank of India, ADARSH NAGAR branch in HUBLI-DHARWAD. The 11-digit IFSC SBIN0040410 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 ADARSH NAGAR 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, SBIN0040410 is the IFSC of State Bank of India's ADARSH NAGAR branch. The format is fixed: SBIN = bank code, 0 = reserved, 040410 = branch identifier.

Branch details at a glance

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 Adarsh Nagar branch in Hubli-Dharwad, Karnataka is part of this network and uses the IFSC code SBIN0040410 for all electronic settlement.

About this branch

The branch is located at ADARSH NAGAR,HUBLI,DHARWAD,KARNATAKA,HUBLI 580 032. It serves the Hubli-Dharwad 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 SBIN0040410 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 ADARSH NAGAR branch came to be assigned the code SBIN0040410.

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 SBIN0040410, money simply cannot be routed to the ADARSH NAGAR branch electronically.

How to transfer money using IFSC SBIN0040410

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 SBIN0040410 across all three.

NEFT to State Bank of India, ADARSH NAGAR using IFSC SBIN0040410

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 SBIN0040410, and confirm that the system picks up State Bank of India – ADARSH NAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ADARSH NAGAR

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's ADARSH NAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0040410 while initiating the transfer and the credit will appear within minutes.

IMPS to State Bank of India ADARSH NAGAR (IFSC SBIN0040410)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0040410 in your mobile or internet banking app, and the money is credited to the ADARSH NAGAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Adarsh Nagar

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 SBIN0040410:

• 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 ADARSH NAGAR is still linked to IFSC SBIN0040410.

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.

UPI payments and IFSC SBIN0040410

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at State Bank of India – ADARSH NAGAR is still mapped to IFSC SBIN0040410. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC SBIN0040410 and the beneficiary's account number to complete the transfer.

Account types you can open at the Adarsh Nagar branch

Once you have an account at State Bank of India – ADARSH NAGAR, the IFSC SBIN0040410 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 Adarsh Nagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 836-2352207.

• 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 SBIN0040410

MICR & cheque-truncation details

Cheques drawn on the Adarsh Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0040410 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC SBIN0040410

State Bank of India customers can register for net banking and the bank's official mobile app once their account at the ADARSH NAGAR 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 SBIN0040410 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.

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 – ADARSH NAGAR:

• The IFSC is exactly SBIN0040410 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 ADARSH NAGAR 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 Adarsh Nagar branch sits at ADARSH NAGAR,HUBLI,DHARWAD,KARNATAKA,HUBLI 580 032. If you are travelling from outside Hubli-Dharwad, search for the branch on a maps application using the bank name and locality, or call 836-2352207 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 SBIN0040410 and your account number.

Verifying IFSC SBIN0040410 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 SBIN0040410 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 836-2352207.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Adarsh Nagar are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to SBIN0040410 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SBIN0040410 belongs to State Bank of India's ADARSH NAGAR branch, located at ADARSH NAGAR,HUBLI,DHARWAD,KARNATAKA,HUBLI 580 032 in HUBLI-DHARWAD, KARNATAKA. 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.