Use this page as a one-stop reference for everything related to State Bank of India's SULTANABAD branch in KARIM NAGAR, ANDHRA PRADESH. The branch's IFSC code SBIN0020146 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.
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 – SULTANABAD is SBIN0020146. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 020146 map to this branch in KARIM NAGAR, ANDHRA PRADESH.
Bank profile
State Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Sultanabad branch — IFSC SBIN0020146 — extends the bank's services to customers in and around Karim Nagar, Andhra Pradesh.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Sultanabad |
| IFSC Code | SBIN0020146 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ANROADPEDDAPALLYTQKARNAGARDSTRCT |
| City | Karim Nagar |
| District | Karim Nagar |
| State | Andhra Pradesh |
| STD Code | 8728 |
| Phone | 227289 |
About the Sultanabad branch
The Sultanabad branch of State Bank of India is situated at ANROADPEDDAPALLYTQKARNAGARDSTRCT. 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 SBIN0020146 is used.
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 SULTANABAD branch came to be assigned the code SBIN0020146.
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 SBIN0020146, money simply cannot be routed to the SULTANABAD branch electronically.
Account types you can open at the Sultanabad branch
Once you have an account at State Bank of India – SULTANABAD, the IFSC SBIN0020146 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.
Products and services
Customers walking into the Sultanabad 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 SBIN0020146
How to transfer money using IFSC SBIN0020146
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 SBIN0020146 across all three.
How to use IFSC SBIN0020146 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's SULTANABAD 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 SBIN0020146.
- Confirm the bank name auto-populates as State Bank of India and the branch as SULTANABAD.
- 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 SULTANABAD
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's SULTANABAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0020146 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 – SULTANABAD, use IMPS. With IFSC SBIN0020146 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 SBIN0020146 for State Bank of India – SULTANABAD, 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 – SBIN0020146 | Yes – SBIN0020146 | Yes – SBIN0020146 |
For most retail customers crediting the Sultanabad 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 SBIN0020146
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 – SULTANABAD is still mapped to IFSC SBIN0020146. 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 SBIN0020146 and the beneficiary's account number to complete the transfer.
Online banking and IFSC SBIN0020146
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the SULTANABAD 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 SBIN0020146 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 & cheque-truncation details
Cheques drawn on the Sultanabad branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0020146 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC SBIN0020146
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 – SULTANABAD, 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:
SBIN0020146. - 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 Sultanabad branch sits at ANROADPEDDAPALLYTQKARNAGARDSTRCT. If you are travelling from outside Karim Nagar, search for the branch on a maps application using the bank name and locality, or call 8728-227289 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 SBIN0020146 and your account number.
Verifying IFSC SBIN0020146 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 SBIN0020146 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8728-227289.
- 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 Sultanabad branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0020146, however, work 24x7.
Branch address & contact
State Bank of IndiaSultanabad Branch
ANROADPEDDAPALLYTQKARNAGARDSTRCT
Karim Nagar, Andhra Pradesh
Phone: 8728-227289
IFSC: SBIN0020146
Frequently asked questions
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 Sultanabad branch but serve different purposes.
Does State Bank of India Sultanabad branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8728-227289 to confirm.
How quickly will an NEFT transfer using SBIN0020146 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Sultanabad reflect within 30 minutes.
Is IFSC SBIN0020146 valid for NEFT and RTGS?
Yes. IFSC SBIN0020146 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is State Bank of India Sultanabad branch located?
State Bank of India's Sultanabad branch is located at ANROADPEDDAPALLYTQKARNAGARDSTRCT, Karim Nagar, Andhra Pradesh.
Can I use IFSC SBIN0020146 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0020146 to send funds instantly.
Final notes
To recap: SBIN0020146 is the IFSC code of State Bank of India, SULTANABAD branch, in KARIM NAGAR, ANDHRA PRADESH. 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.
