Below are the complete branch details for State Bank of India, GUTHALU branch, located in MANDYA, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0040407. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case SBIN0040407 for State Bank of India – GUTHALU — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, SBIN0040407 is the IFSC of State Bank of India's GUTHALU branch. The format is fixed: SBIN = bank code, 0 = reserved, 040407 = branch identifier.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Guthalu |
| IFSC Code | SBIN0040407 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GUTHALU,MANDYA,KARNATAKA,MANDYA 571403 |
| City | Mandya |
| District | Mandya |
| State | Karnataka |
| STD Code | 8232 |
| Phone | 220916 |
About State Bank of India
State Bank of India operates a wide network of branches across India, including the Guthalu branch in Mandya. 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, SBIN0040407.
Guthalu branch overview
Located at GUTHALU,MANDYA,KARNATAKA,MANDYA 571403, the Guthalu branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0040407 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 GUTHALU of State Bank of India — its own 11-character IFSC. The code SBIN0040407 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 SBIN0040407 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 SBIN0040407
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 SBIN0040407 across all three.
NEFT to State Bank of India, GUTHALU using IFSC SBIN0040407
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 SBIN0040407, and confirm that the system picks up State Bank of India – GUTHALU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC SBIN0040407
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 – GUTHALU, ensure your bank's portal accepts IFSC SBIN0040407 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to State Bank of India – GUTHALU, use IMPS. With IFSC SBIN0040407 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 SBIN0040407 for State Bank of India – GUTHALU, 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 – SBIN0040407 | Yes – SBIN0040407 | Yes – SBIN0040407 |
For most retail customers crediting the Guthalu 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 GUTHALU branch, the IFSC SBIN0040407 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.
Account types you can open at the Guthalu branch
Once you have an account at State Bank of India – GUTHALU, the IFSC SBIN0040407 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.
Banking services available
The Guthalu branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8232-220916.
- 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 SBIN0040407
MICR & cheque-truncation details
Cheques drawn on the Guthalu branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0040407 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Guthalu 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 SBIN0040407 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.
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 – GUTHALU:
- The IFSC is exactly SBIN0040407 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 GUTHALU 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 Guthalu branch
The branch is located at GUTHALU,MANDYA,KARNATAKA,MANDYA 571403, which puts it inside Mandya, the broader Mandya district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “State Bank of India Guthalu branch” — the verified location pin for IFSC SBIN0040407 should appear at the top of the results.
- Confirm the branch is open by calling 8232-220916 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 SBIN0040407 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC SBIN0040407 for State Bank of India – GUTHALU, 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.
Working hours
Branch counters at Guthalu 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 SBIN0040407 continue to work without interruption.
Branch address & contact
State Bank of IndiaGuthalu Branch
GUTHALU,MANDYA,KARNATAKA,MANDYA 571403
Mandya, Karnataka
Phone: 8232-220916
IFSC: SBIN0040407
Frequently asked questions
Where is State Bank of India Guthalu branch located?
State Bank of India's Guthalu branch is located at GUTHALU,MANDYA,KARNATAKA,MANDYA 571403, Mandya, Karnataka.
What is the phone number of State Bank of India Guthalu branch?
You can reach the branch at 8232-220916 during regular banking hours.
How quickly will an NEFT transfer using SBIN0040407 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Guthalu reflect within 30 minutes.
Can I use IFSC SBIN0040407 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0040407 to send funds instantly.
Is IFSC SBIN0040407 valid for NEFT and RTGS?
Yes. IFSC SBIN0040407 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does State Bank of India Guthalu branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8232-220916 to confirm.
Is IFSC SBIN0040407 the same for all accounts at Guthalu branch?
Yes. The IFSC SBIN0040407 is shared by every account held at State Bank of India's Guthalu branch. Only the account number changes from customer to customer.
What is the IFSC code of State Bank of India Guthalu branch?
The IFSC code of State Bank of India, Guthalu branch is SBIN0040407. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code SBIN0040407 belongs to State Bank of India's GUTHALU branch, located at GUTHALU,MANDYA,KARNATAKA,MANDYA 571403 in MANDYA, KARNATAKA. 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.
