IFSC Code of State Bank of India, Gundumunugu Branch, Karnataka

If you are searching for the IFSC code of State Bank of India, GUNDUMUNUGU branch in KUDLIGI, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is SBIN0041053. 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 GUNDUMUNUGU branch, and detailed step-by-step guides for using the IFSC SBIN0041053 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 – GUNDUMUNUGU is SBIN0041053. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 041053 map to this branch in KUDLIGI, KARNATAKA.

About State Bank of India

State Bank of India operates a wide network of branches across India, including the Gundumunugu branch in Kudligi. 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, SBIN0041053.

Branch details at a glance

About the Gundumunugu branch

The Gundumunugu branch of State Bank of India is situated at CHIDANANDAGOUDA BUILDING KUDLIGI TALUK BELLARY DISTRICT GUNDUMUNUGU 583126. 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 SBIN0041053 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 GUNDUMUNUGU of State Bank of India — its own 11-character IFSC. The code SBIN0041053 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 SBIN0041053 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Gundumunugu branch

Once you have an account at State Bank of India – GUNDUMUNUGU, the IFSC SBIN0041053 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 Gundumunugu 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 SBIN0041053

How to transfer money using IFSC SBIN0041053

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 SBIN0041053 across all three.

NEFT to State Bank of India, GUNDUMUNUGU using IFSC SBIN0041053

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 SBIN0041053, and confirm that the system picks up State Bank of India – GUNDUMUNUGU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GUNDUMUNUGU

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's GUNDUMUNUGU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0041053 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 – GUNDUMUNUGU, use IMPS. With IFSC SBIN0041053 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 SBIN0041053 for State Bank of India – GUNDUMUNUGU, 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.

For most retail customers crediting the Gundumunugu 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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at State Bank of India's GUNDUMUNUGU branch, the IFSC SBIN0041053 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Online banking and IFSC SBIN0041053

State Bank of India customers can register for net banking and the bank's official mobile app once their account at the GUNDUMUNUGU 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 SBIN0041053 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 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 SBIN0041053 and the account number together uniquely identify the Gundumunugu branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – GUNDUMUNUGU:

• The IFSC is exactly SBIN0041053 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 GUNDUMUNUGU 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.

How to reach the Gundumunugu branch

The branch is located at CHIDANANDAGOUDA BUILDING KUDLIGI TALUK BELLARY DISTRICT GUNDUMUNUGU 583126, which puts it inside Kudligi, the broader Bellary district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “State Bank of India Gundumunugu branch” — the verified location pin for IFSC SBIN0041053 should appear at the top of the results.
2. Confirm the branch is open by calling 91-8095914550 before stepping out, especially around public holidays.
3. 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 SBIN0041053 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SBIN0041053 for State Bank of India – GUNDUMUNUGU, 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 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 Gundumunugu branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0041053, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: SBIN0041053 is the IFSC code of State Bank of India, GUNDUMUNUGU branch, in KUDLIGI, KARNATAKA. 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.