Below are the complete branch details for State Bank of India, KAKINADA branch, located in KAKINADA, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0032632. 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 SBIN0032632 for State Bank of India – KAKINADA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For State Bank of India's KAKINADA branch, the IFSC SBIN0032632 breaks down as follows: SBIN identifies the bank, 0 is the reserved character, and 032632 identifies this particular branch.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Kakinada |
| IFSC Code | SBIN0032632 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MADHAV NAGAR,OPP. TO DISTRICT SUPRITENDENT OF POLICE OFFICE, KAKINADA-533003 |
| City | Kakinada |
| District | East Godavari |
| State | Andhra Pradesh |
| STD Code | 884 |
| Phone | 2342778 |
About State Bank of India
State Bank of India operates a wide network of branches across India, including the Kakinada branch in Kakinada. 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, SBIN0032632.
About the Kakinada branch
The Kakinada branch of State Bank of India is situated at MADHAV NAGAR,OPP. TO DISTRICT SUPRITENDENT OF POLICE OFFICE, KAKINADA-533003. 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 SBIN0032632 is used.
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 KAKINADA of State Bank of India — its own 11-character IFSC. The code SBIN0032632 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 SBIN0032632 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC SBIN0032632
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 SBIN0032632 across all three.
How to use IFSC SBIN0032632 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's KAKINADA 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 SBIN0032632.
- Confirm the bank name auto-populates as State Bank of India and the branch as KAKINADA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC SBIN0032632
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 – KAKINADA, ensure your bank's portal accepts IFSC SBIN0032632 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to State Bank of India – KAKINADA, use IMPS. With IFSC SBIN0032632 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SBIN0032632 for State Bank of India – KAKINADA, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – SBIN0032632 | Yes – SBIN0032632 | Yes – SBIN0032632 |
For most retail customers crediting the Kakinada 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.
UPI payments and IFSC SBIN0032632
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 – KAKINADA is still mapped to IFSC SBIN0032632. 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 SBIN0032632 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kakinada branch is mapped to IFSC SBIN0032632 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 SBIN0032632.
Products and services
Customers walking into the Kakinada 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 SBIN0032632
MICR & cheque-truncation details
Cheques drawn on the Kakinada branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0032632 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Kakinada 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 SBIN0032632 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 SBIN0032632
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 – KAKINADA, 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:
SBIN0032632. - 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 Kakinada branch sits at MADHAV NAGAR,OPP. TO DISTRICT SUPRITENDENT OF POLICE OFFICE, KAKINADA-533003. If you are travelling from outside Kakinada, search for the branch on a maps application using the bank name and locality, or call 884-2342778 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 SBIN0032632 and your account number.
Verifying IFSC SBIN0032632 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 SBIN0032632 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 884-2342778.
- 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 Kakinada branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0032632, however, work 24x7.
Branch address & contact
State Bank of IndiaKakinada Branch
MADHAV NAGAR,OPP. TO DISTRICT SUPRITENDENT OF POLICE OFFICE, KAKINADA-533003
Kakinada, Andhra Pradesh
Phone: 884-2342778
IFSC: SBIN0032632
Frequently asked questions
Does State Bank of India Kakinada branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 884-2342778 to confirm.
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 Kakinada branch but serve different purposes.
Where is State Bank of India Kakinada branch located?
State Bank of India's Kakinada branch is located at MADHAV NAGAR,OPP. TO DISTRICT SUPRITENDENT OF POLICE OFFICE, KAKINADA-533003, Kakinada, Andhra Pradesh.
What is the phone number of State Bank of India Kakinada branch?
You can reach the branch at 884-2342778 during regular banking hours.
Is IFSC SBIN0032632 valid for NEFT and RTGS?
Yes. IFSC SBIN0032632 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC SBIN0032632 the same for all accounts at Kakinada branch?
Yes. The IFSC SBIN0032632 is shared by every account held at State Bank of India's Kakinada branch. Only the account number changes from customer to customer.
Summary
The IFSC code SBIN0032632 belongs to State Bank of India's KAKINADA branch, located at MADHAV NAGAR,OPP. TO DISTRICT SUPRITENDENT OF POLICE OFFICE, KAKINADA-533003 in KAKINADA, ANDHRA 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.
