This page lists the IFSC code, branch address, contact number and fund-transfer information for State Bank of India, JUNAGARH ADB branch in JUNAGARH. The 11-digit IFSC SBIN0002072 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 JUNAGARH ADB 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, SBIN0002072 is the IFSC of State Bank of India's JUNAGARH ADB branch. The format is fixed: SBIN = bank code, 0 = reserved, 002072 = branch identifier.
About State Bank of India
State Bank of India operates a wide network of branches across India, including the Junagarh ADB branch in Junagarh. 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, SBIN0002072.
About this branch
The branch is located at MAIN RD,DIST KALAHANDI, ORISSA 766022. It serves the Junagarh 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 SBIN0002072 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Junagarh ADB |
| IFSC Code | SBIN0002072 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MAIN RD,DIST KALAHANDI, ORISSA 766022 |
| City | Junagarh |
| District | Kalhandi |
| State | Odisha |
| STD Code | 0 |
| Phone | 0 |
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 JUNAGARH ADB branch came to be assigned the code SBIN0002072.
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 SBIN0002072, money simply cannot be routed to the JUNAGARH ADB branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Junagarh ADB branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0002072 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC SBIN0002072
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 SBIN0002072 across all three.
How to use IFSC SBIN0002072 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's JUNAGARH ADB 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC SBIN0002072.
- Confirm the bank name auto-populates as State Bank of India and the branch as JUNAGARH ADB.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC SBIN0002072
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to State Bank of India – JUNAGARH ADB, ensure your bank's portal accepts IFSC SBIN0002072 while registering the beneficiary. RTGS is also available 24x7.
IMPS to State Bank of India JUNAGARH ADB (IFSC SBIN0002072)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0002072 in your mobile or internet banking app, and the money is credited to the JUNAGARH ADB branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Junagarh ADB
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 SBIN0002072:
- 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 JUNAGARH ADB is still linked to IFSC SBIN0002072.
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 SBIN0002072
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 – JUNAGARH ADB is still mapped to IFSC SBIN0002072. 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 SBIN0002072 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Junagarh ADB branch is mapped to IFSC SBIN0002072 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 SBIN0002072.
Banking services available
The Junagarh ADB branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 0.
- 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 SBIN0002072
Online banking and IFSC SBIN0002072
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the JUNAGARH ADB 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 SBIN0002072 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.
How to reach the Junagarh ADB branch
The branch is located at MAIN RD,DIST KALAHANDI, ORISSA 766022, which puts it inside Junagarh, the broader Kalhandi district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “State Bank of India Junagarh ADB branch” — the verified location pin for IFSC SBIN0002072 should appear at the top of the results.
- Confirm the branch is open by calling 0 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 SBIN0002072 and your account number.
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 – JUNAGARH ADB:
- The IFSC is exactly SBIN0002072 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 JUNAGARH ADB 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.
Working hours
Branch counters at Junagarh ADB 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 SBIN0002072 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC SBIN0002072 for State Bank of India – JUNAGARH ADB, 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 address & contact
State Bank of IndiaJunagarh ADB Branch
MAIN RD,DIST KALAHANDI, ORISSA 766022
Junagarh, Odisha
Phone: 0
IFSC: SBIN0002072
Frequently asked questions
Is IFSC SBIN0002072 the same for all accounts at Junagarh ADB branch?
Yes. The IFSC SBIN0002072 is shared by every account held at State Bank of India's Junagarh ADB branch. Only the account number changes from customer to customer.
What is the phone number of State Bank of India Junagarh ADB branch?
You can reach the branch at 0 during regular banking hours.
Is IFSC SBIN0002072 valid for NEFT and RTGS?
Yes. IFSC SBIN0002072 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add State Bank of India Junagarh ADB as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0002072, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC SBIN0002072 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0002072 to send funds instantly.
What is the IFSC code of State Bank of India Junagarh ADB branch?
The IFSC code of State Bank of India, Junagarh ADB branch is SBIN0002072. 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 Junagarh ADB branch but serve different purposes.
Final notes
To recap: SBIN0002072 is the IFSC code of State Bank of India, JUNAGARH ADB branch, in JUNAGARH, ODISHA. 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.
