Use this page as a one-stop reference for everything related to State Bank of India's INDUSTRIAL AREA KARNAL branch in KARNAL, HARYANA. The branch's IFSC code SBIN0011979 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 – INDUSTRIAL AREA KARNAL is SBIN0011979. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 011979 map to this branch in KARNAL, HARYANA.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Industrial Area Karnal |
| IFSC Code | SBIN0011979 |
| MICR Code | Refer to cheque leaf |
| Branch Address | INDUSTRIAL AREA KARNAL,SCO NO 18 NEAR PNB,SECTYOR 3,HSIDC,DISTKARNAL132001 |
| City | Karnal |
| District | Karnal |
| State | Haryana |
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 Industrial Area Karnal branch in Karnal, Haryana is part of this network and uses the IFSC code SBIN0011979 for all electronic settlement.
Industrial Area Karnal branch overview
Located at INDUSTRIAL AREA KARNAL,SCO NO 18 NEAR PNB,SECTYOR 3,HSIDC,DISTKARNAL132001, the Industrial Area Karnal branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0011979 is required for all interbank electronic transfers routed through this branch.
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 INDUSTRIAL AREA KARNAL of State Bank of India — its own 11-character IFSC. The code SBIN0011979 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 SBIN0011979 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 SBIN0011979
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 SBIN0011979 across all three.
How to use IFSC SBIN0011979 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's INDUSTRIAL AREA KARNAL 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 SBIN0011979.
- Confirm the bank name auto-populates as State Bank of India and the branch as INDUSTRIAL AREA KARNAL.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC SBIN0011979
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 – INDUSTRIAL AREA KARNAL, ensure your bank's portal accepts IFSC SBIN0011979 while registering the beneficiary. RTGS is also available 24x7.
IMPS to State Bank of India INDUSTRIAL AREA KARNAL (IFSC SBIN0011979)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0011979 in your mobile or internet banking app, and the money is credited to the INDUSTRIAL AREA KARNAL branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Industrial Area Karnal
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 SBIN0011979:
- 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 INDUSTRIAL AREA KARNAL is still linked to IFSC SBIN0011979.
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 SBIN0011979
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 – INDUSTRIAL AREA KARNAL is still mapped to IFSC SBIN0011979. 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 SBIN0011979 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Industrial Area Karnal branch is mapped to IFSC SBIN0011979 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 SBIN0011979.
Banking services available
The Industrial Area Karnal 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 SBIN0011979
MICR & cheque-truncation details
Cheques drawn on the Industrial Area Karnal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0011979 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC SBIN0011979
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the INDUSTRIAL AREA KARNAL 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 SBIN0011979 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 – INDUSTRIAL AREA KARNAL:
- The IFSC is exactly SBIN0011979 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 INDUSTRIAL AREA KARNAL 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 Industrial Area Karnal branch sits at INDUSTRIAL AREA KARNAL,SCO NO 18 NEAR PNB,SECTYOR 3,HSIDC,DISTKARNAL132001. If you are travelling from outside Karnal, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 SBIN0011979 and your account number.
Verifying IFSC SBIN0011979 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 SBIN0011979 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Industrial Area Karnal 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 SBIN0011979 continue to work without interruption.
Branch address & contact
State Bank of IndiaIndustrial Area Karnal Branch
INDUSTRIAL AREA KARNAL,SCO NO 18 NEAR PNB,SECTYOR 3,HSIDC,DISTKARNAL132001
Karnal, Haryana
Phone: the branch contact number
IFSC: SBIN0011979
Frequently asked questions
Is IFSC SBIN0011979 valid for NEFT and RTGS?
Yes. IFSC SBIN0011979 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Industrial Area Karnal branch but serve different purposes.
Where is State Bank of India Industrial Area Karnal branch located?
State Bank of India's Industrial Area Karnal branch is located at INDUSTRIAL AREA KARNAL,SCO NO 18 NEAR PNB,SECTYOR 3,HSIDC,DISTKARNAL132001, Karnal, Haryana.
How do I add State Bank of India Industrial Area Karnal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0011979, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC SBIN0011979 the same for all accounts at Industrial Area Karnal branch?
Yes. The IFSC SBIN0011979 is shared by every account held at State Bank of India's Industrial Area Karnal branch. Only the account number changes from customer to customer.
What is the phone number of State Bank of India Industrial Area Karnal branch?
You can reach the branch at the branch contact number during regular banking hours.
Does State Bank of India Industrial Area Karnal branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Summary
The IFSC code SBIN0011979 belongs to State Bank of India's INDUSTRIAL AREA KARNAL branch, located at INDUSTRIAL AREA KARNAL,SCO NO 18 NEAR PNB,SECTYOR 3,HSIDC,DISTKARNAL132001 in KARNAL, HARYANA. 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.
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