If you are searching for the IFSC code of State Bank of India, NAIKA branch in KHEDA, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is SBIN0014939. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the NAIKA branch, and detailed step-by-step guides for using the IFSC SBIN0014939 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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 – NAIKA is SBIN0014939. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 014939 map to this branch in KHEDA, GUJARAT.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Naika |
| IFSC Code | SBIN0014939 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NEAR NAVAGAM,DIST KHEDA,,DIST KHEDA 387550 |
| City | Kheda |
| District | Kheda |
| State | Gujarat |
| STD Code | 2694 |
| Phone | 282777 |
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 Naika branch in Kheda, Gujarat is part of this network and uses the IFSC code SBIN0014939 for all electronic settlement.
About this branch
The branch is located at NEAR NAVAGAM,DIST KHEDA,,DIST KHEDA 387550. It serves the Kheda 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 SBIN0014939 is used to identify this branch on the RBI payments network.
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 NAIKA branch came to be assigned the code SBIN0014939.
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 SBIN0014939, money simply cannot be routed to the NAIKA branch electronically.
How to transfer money using IFSC SBIN0014939
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 SBIN0014939 across all three.
NEFT to State Bank of India, NAIKA using IFSC SBIN0014939
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 SBIN0014939, and confirm that the system picks up State Bank of India – NAIKA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to NAIKA
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's NAIKA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0014939 while initiating the transfer and the credit will appear within minutes.
IMPS to State Bank of India NAIKA (IFSC SBIN0014939)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0014939 in your mobile or internet banking app, and the money is credited to the NAIKA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Naika
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 SBIN0014939:
- 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 NAIKA is still linked to IFSC SBIN0014939.
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 SBIN0014939
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 – NAIKA is still mapped to IFSC SBIN0014939. 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 SBIN0014939 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Naika branch is mapped to IFSC SBIN0014939 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 SBIN0014939.
Products and services
Customers walking into the Naika 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 SBIN0014939
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by State Bank of India carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC SBIN0014939 and the account number together uniquely identify the Naika branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC SBIN0014939
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the NAIKA 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 SBIN0014939 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 – NAIKA:
- The IFSC is exactly SBIN0014939 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 NAIKA 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 Naika branch sits at NEAR NAVAGAM,DIST KHEDA,,DIST KHEDA 387550. If you are travelling from outside Kheda, search for the branch on a maps application using the bank name and locality, or call 2694-282777 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 SBIN0014939 and your account number.
Verifying IFSC SBIN0014939 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 SBIN0014939 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2694-282777.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Naika 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 SBIN0014939 continue to work without interruption.
Branch address & contact
State Bank of IndiaNaika Branch
NEAR NAVAGAM,DIST KHEDA,,DIST KHEDA 387550
Kheda, Gujarat
Phone: 2694-282777
IFSC: SBIN0014939
Frequently asked questions
Does State Bank of India Naika branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2694-282777 to confirm.
How quickly will an NEFT transfer using SBIN0014939 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Naika reflect within 30 minutes.
Can I use IFSC SBIN0014939 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0014939 to send funds instantly.
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 Naika branch but serve different purposes.
What is the phone number of State Bank of India Naika branch?
You can reach the branch at 2694-282777 during regular banking hours.
Is IFSC SBIN0014939 the same for all accounts at Naika branch?
Yes. The IFSC SBIN0014939 is shared by every account held at State Bank of India's Naika branch. Only the account number changes from customer to customer.
Summary
The IFSC code SBIN0014939 belongs to State Bank of India's NAIKA branch, located at NEAR NAVAGAM,DIST KHEDA,,DIST KHEDA 387550 in KHEDA, GUJARAT. 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.
