Use this page as a one-stop reference for everything related to State Bank of India's KURNOOL branch in KURNOOL, ANDHRA PRADESH. The branch's IFSC code SBIN0040699 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 KURNOOL branch, the IFSC SBIN0040699 breaks down as follows: SBIN identifies the bank, 0 is the reserved character, and 040699 identifies this particular branch.
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 Kurnool branch in Kurnool, Andhra Pradesh is part of this network and uses the IFSC code SBIN0040699 for all electronic settlement.
Kurnool branch overview
Located at MAYURI HEIGHTS, GROUND FLOOR, KING MARKET, KURNOOL 518001, the Kurnool branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0040699 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Kurnool |
| IFSC Code | SBIN0040699 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MAYURI HEIGHTS, GROUND FLOOR, KING MARKET, KURNOOL 518001 |
| City | Kurnool |
| District | Kurnool |
| State | Andhra Pradesh |
| STD Code | 8518 |
| Phone | 245530 |
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 KURNOOL branch came to be assigned the code SBIN0040699.
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 SBIN0040699, money simply cannot be routed to the KURNOOL branch electronically.
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 SBIN0040699 and the account number together uniquely identify the Kurnool branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC SBIN0040699
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 SBIN0040699 across all three.
How to use IFSC SBIN0040699 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's KURNOOL 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 SBIN0040699.
- Confirm the bank name auto-populates as State Bank of India and the branch as KURNOOL.
- 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 KURNOOL
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's KURNOOL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0040699 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 – KURNOOL, use IMPS. With IFSC SBIN0040699 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Kurnool
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 SBIN0040699:
- 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 KURNOOL is still linked to IFSC SBIN0040699.
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 SBIN0040699
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 – KURNOOL is still mapped to IFSC SBIN0040699. 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 SBIN0040699 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kurnool branch is mapped to IFSC SBIN0040699 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 SBIN0040699.
Banking services available
The Kurnool branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8518-245530.
- 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 SBIN0040699
Digital banking channels
Most day-to-day work that customers used to do at the Kurnool branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC SBIN0040699 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
How to reach the Kurnool branch
The branch is located at MAYURI HEIGHTS, GROUND FLOOR, KING MARKET, KURNOOL 518001, which puts it inside Kurnool, the broader Kurnool district, and the state of Andhra Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “State Bank of India Kurnool branch” — the verified location pin for IFSC SBIN0040699 should appear at the top of the results.
- Confirm the branch is open by calling 8518-245530 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 SBIN0040699 and your account number.
Common mistakes to avoid when using IFSC SBIN0040699
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 – KURNOOL, 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:
SBIN0040699. - 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.
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 Kurnool branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0040699, however, work 24x7.
Verifying IFSC SBIN0040699 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 SBIN0040699 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8518-245530.
- Visiting the bank's official branch locator page.
Branch address & contact
State Bank of IndiaKurnool Branch
MAYURI HEIGHTS, GROUND FLOOR, KING MARKET, KURNOOL 518001
Kurnool, Andhra Pradesh
Phone: 8518-245530
IFSC: SBIN0040699
Frequently asked questions
Is IFSC SBIN0040699 the same for all accounts at Kurnool branch?
Yes. The IFSC SBIN0040699 is shared by every account held at State Bank of India's Kurnool branch. Only the account number changes from customer to customer.
How do I add State Bank of India Kurnool as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0040699, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC SBIN0040699 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0040699 to send funds instantly.
What is the phone number of State Bank of India Kurnool branch?
You can reach the branch at 8518-245530 during regular banking hours.
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 Kurnool branch but serve different purposes.
How quickly will an NEFT transfer using SBIN0040699 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Kurnool reflect within 30 minutes.
Where is State Bank of India Kurnool branch located?
State Bank of India's Kurnool branch is located at MAYURI HEIGHTS, GROUND FLOOR, KING MARKET, KURNOOL 518001, Kurnool, Andhra Pradesh.
Does State Bank of India Kurnool branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8518-245530 to confirm.
Final notes
To recap: SBIN0040699 is the IFSC code of State Bank of India, KURNOOL branch, in KURNOOL, 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.
