IFSC Code of State Bank of India, Khatraj Chowkdi, Mahemdabad Branch, Gujarat

Below are the complete branch details for State Bank of India, KHATRAJ CHOWKDI, MAHEMDABAD branch, located in MEHMEDABAD, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0018796. 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 SBIN0018796 for State Bank of India – KHATRAJ CHOWKDI, MAHEMDABAD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – KHATRAJ CHOWKDI, MAHEMDABAD is SBIN0018796. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 018796 map to this branch in MEHMEDABAD, GUJARAT.

Branch details at a glance

Bank profile

State Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Khatraj Chowkdi, Mahemdabad branch — IFSC SBIN0018796 — extends the bank's services to customers in and around Mehmedabad, Gujarat.

Khatraj Chowkdi, Mahemdabad branch overview

Located at KHATRAJ CHOWKDI, MAHUDA ROAD, MAHEMDABAD, DIST.KHEDA, GJ-387130, the Khatraj Chowkdi, Mahemdabad branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0018796 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 KHATRAJ CHOWKDI, MAHEMDABAD of State Bank of India — its own 11-character IFSC. The code SBIN0018796 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 SBIN0018796 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 SBIN0018796

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 SBIN0018796 across all three.

NEFT to State Bank of India, KHATRAJ CHOWKDI, MAHEMDABAD using IFSC SBIN0018796

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 SBIN0018796, and confirm that the system picks up State Bank of India – KHATRAJ CHOWKDI, MAHEMDABAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KHATRAJ CHOWKDI, MAHEMDABAD

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's KHATRAJ CHOWKDI, MAHEMDABAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0018796 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 – KHATRAJ CHOWKDI, MAHEMDABAD, use IMPS. With IFSC SBIN0018796 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 SBIN0018796 for State Bank of India – KHATRAJ CHOWKDI, MAHEMDABAD, 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 Khatraj Chowkdi, Mahemdabad 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 KHATRAJ CHOWKDI, MAHEMDABAD branch, the IFSC SBIN0018796 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 Khatraj Chowkdi, Mahemdabad branch

Once you have an account at State Bank of India – KHATRAJ CHOWKDI, MAHEMDABAD, the IFSC SBIN0018796 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 Khatraj Chowkdi, Mahemdabad 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 SBIN0018796

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 SBIN0018796 and the account number together uniquely identify the Khatraj Chowkdi, Mahemdabad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Khatraj Chowkdi, Mahemdabad 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 SBIN0018796 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.

Common mistakes to avoid when using IFSC SBIN0018796

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 – KHATRAJ CHOWKDI, MAHEMDABAD, 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: SBIN0018796.
• 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.

How to reach the Khatraj Chowkdi, Mahemdabad branch

The branch is located at KHATRAJ CHOWKDI, MAHUDA ROAD, MAHEMDABAD, DIST.KHEDA, GJ-387130, which puts it inside Mehmedabad, the broader Kheda district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “State Bank of India Khatraj Chowkdi, Mahemdabad branch” — the verified location pin for IFSC SBIN0018796 should appear at the top of the results.
2. Confirm the branch is open by calling 7600044164 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 SBIN0018796 and your account number.

Verifying IFSC SBIN0018796 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 SBIN0018796 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 7600044164.
• Visiting the bank's official branch locator page.

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 Khatraj Chowkdi, Mahemdabad branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0018796, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: SBIN0018796 is the IFSC code of State Bank of India, KHATRAJ CHOWKDI, MAHEMDABAD branch, in MEHMEDABAD, GUJARAT. 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.