If you are searching for the IFSC code of State Bank of India, MORBI branch in MORBI, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is SBIN0003828. 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 MORBI branch, and detailed step-by-step guides for using the IFSC SBIN0003828 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 – MORBI is SBIN0003828. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003828 map to this branch in MORBI, GUJARAT.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Morbi |
| IFSC Code | SBIN0003828 |
| MICR Code | Refer to cheque leaf |
| Branch Address | RAJKOT DT.GUJARAT STATE 363 641 |
| City | Morbi |
| District | Rajkot |
| State | Gujarat |
| STD Code | 2822 |
| Phone | 221404 |
Bank profile
State Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Morbi branch — IFSC SBIN0003828 — extends the bank's services to customers in and around Morbi, Gujarat.
About this branch
The branch is located at RAJKOT DT.GUJARAT STATE 363 641. It serves the Morbi 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 SBIN0003828 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 MORBI branch came to be assigned the code SBIN0003828.
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 SBIN0003828, money simply cannot be routed to the MORBI branch electronically.
How to transfer money using IFSC SBIN0003828
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 SBIN0003828 across all three.
How to use IFSC SBIN0003828 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's MORBI 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 SBIN0003828.
- Confirm the bank name auto-populates as State Bank of India and the branch as MORBI.
- 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 MORBI
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's MORBI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0003828 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 – MORBI, use IMPS. With IFSC SBIN0003828 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 SBIN0003828 for State Bank of India – MORBI, 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 – SBIN0003828 | Yes – SBIN0003828 | Yes – SBIN0003828 |
For most retail customers crediting the Morbi 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.
UPI payments and IFSC SBIN0003828
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 – MORBI is still mapped to IFSC SBIN0003828. 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 SBIN0003828 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Morbi branch is mapped to IFSC SBIN0003828 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 SBIN0003828.
Products and services
Customers walking into the Morbi 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 SBIN0003828
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 SBIN0003828 and the account number together uniquely identify the Morbi 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 Morbi 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 SBIN0003828 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 – MORBI:
- The IFSC is exactly SBIN0003828 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 MORBI 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 Morbi branch sits at RAJKOT DT.GUJARAT STATE 363 641. If you are travelling from outside Morbi, search for the branch on a maps application using the bank name and locality, or call 2822-221404 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 SBIN0003828 and your account number.
Verifying IFSC SBIN0003828 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 SBIN0003828 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2822-221404.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Morbi 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 SBIN0003828 continue to work without interruption.
Branch address & contact
State Bank of IndiaMorbi Branch
RAJKOT DT.GUJARAT STATE 363 641
Morbi, Gujarat
Phone: 2822-221404
IFSC: SBIN0003828
Frequently asked questions
Where is State Bank of India Morbi branch located?
State Bank of India's Morbi branch is located at RAJKOT DT.GUJARAT STATE 363 641, Morbi, Gujarat.
Is IFSC SBIN0003828 the same for all accounts at Morbi branch?
Yes. The IFSC SBIN0003828 is shared by every account held at State Bank of India's Morbi branch. Only the account number changes from customer to customer.
How do I add State Bank of India Morbi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0003828, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of State Bank of India Morbi branch?
You can reach the branch at 2822-221404 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 Morbi branch but serve different purposes.
Can I use IFSC SBIN0003828 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0003828 to send funds instantly.
How quickly will an NEFT transfer using SBIN0003828 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Morbi reflect within 30 minutes.
Final notes
To recap: SBIN0003828 is the IFSC code of State Bank of India, MORBI branch, in MORBI, 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.
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