Use this page as a one-stop reference for everything related to State Bank of India's KARANDA branch in KARANDA, UTTAR PRADESH. The branch's IFSC code SBIN0015542 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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 KARANDA branch, the IFSC SBIN0015542 breaks down as follows: SBIN identifies the bank, 0 is the reserved character, and 015542 identifies this particular branch.
About State Bank of India
State Bank of India operates a wide network of branches across India, including the Karanda branch in Karanda. 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, SBIN0015542.
Karanda branch overview
Located at VILL. KARANDA,POSTKARANDA, DISTT. GHAZIPUR. UTTAR PRADESH 233224, the Karanda branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0015542 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Karanda |
| IFSC Code | SBIN0015542 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL. KARANDA,POSTKARANDA, DISTT. GHAZIPUR. UTTAR PRADESH 233224 |
| City | Karanda |
| District | Ghazipur |
| State | Uttar Pradesh |
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 KARANDA of State Bank of India — its own 11-character IFSC. The code SBIN0015542 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 SBIN0015542 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Karanda branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0015542 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 SBIN0015542
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 SBIN0015542 across all three.
NEFT to State Bank of India, KARANDA using IFSC SBIN0015542
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 SBIN0015542, and confirm that the system picks up State Bank of India – KARANDA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KARANDA
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's KARANDA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0015542 while initiating the transfer and the credit will appear within minutes.
IMPS to State Bank of India KARANDA (IFSC SBIN0015542)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0015542 in your mobile or internet banking app, and the money is credited to the KARANDA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Karanda
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 SBIN0015542:
- 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 KARANDA is still linked to IFSC SBIN0015542.
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 SBIN0015542
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 – KARANDA is still mapped to IFSC SBIN0015542. 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 SBIN0015542 and the beneficiary's account number to complete the transfer.
Account types you can open at the Karanda branch
Once you have an account at State Bank of India – KARANDA, the IFSC SBIN0015542 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 Karanda branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- 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 SBIN0015542
Online banking and IFSC SBIN0015542
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the KARANDA 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 SBIN0015542 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 Karanda branch
The branch is located at VILL. KARANDA,POSTKARANDA, DISTT. GHAZIPUR. UTTAR PRADESH 233224, which puts it inside Karanda, the broader Ghazipur district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “State Bank of India Karanda branch” — the verified location pin for IFSC SBIN0015542 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number 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 SBIN0015542 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 – KARANDA:
- The IFSC is exactly SBIN0015542 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 KARANDA 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 Karanda 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 SBIN0015542 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC SBIN0015542 for State Bank of India – KARANDA, 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 IndiaKaranda Branch
VILL. KARANDA,POSTKARANDA, DISTT. GHAZIPUR. UTTAR PRADESH 233224
Karanda, Uttar Pradesh
Phone: the branch contact number
IFSC: SBIN0015542
Frequently asked questions
Does State Bank of India Karanda branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Is IFSC SBIN0015542 valid for NEFT and RTGS?
Yes. IFSC SBIN0015542 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC SBIN0015542 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0015542 to send funds instantly.
How do I add State Bank of India Karanda as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0015542, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is State Bank of India Karanda branch located?
State Bank of India's Karanda branch is located at VILL. KARANDA,POSTKARANDA, DISTT. GHAZIPUR. UTTAR PRADESH 233224, Karanda, Uttar Pradesh.
How quickly will an NEFT transfer using SBIN0015542 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Karanda reflect within 30 minutes.
Summary
The IFSC code SBIN0015542 belongs to State Bank of India's KARANDA branch, located at VILL. KARANDA,POSTKARANDA, DISTT. GHAZIPUR. UTTAR PRADESH 233224 in KARANDA, 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.
