IFSC Code of State Bank of India, Specialised Personal Banking Branch, Mumbai Branch, Maharashtra

If you are searching for the IFSC code of State Bank of India, SPECIALISED PERSONAL BANKING BRANCH, MUMBAI branch in MUMBAI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is SBIN0004205. 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 SPECIALISED PERSONAL BANKING BRANCH, MUMBAI branch, and detailed step-by-step guides for using the IFSC SBIN0004205 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.

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 SPECIALISED PERSONAL BANKING BRANCH, MUMBAI branch, the IFSC SBIN0004205 breaks down as follows: SBIN identifies the bank, 0 is the reserved character, and 004205 identifies this particular branch.

About State Bank of India

State Bank of India operates a wide network of branches across India, including the Specialised Personal Banking Branch, Mumbai branch in Mumbai. 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, SBIN0004205.

Branch details at a glance

Specialised Personal Banking Branch, Mumbai branch overview

Located at DISTBRIHAN MUMBAI MAHARASHTRA 400023, the Specialised Personal Banking Branch, Mumbai branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0004205 is required for all interbank electronic transfers routed through this branch.

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 SPECIALISED PERSONAL BANKING BRANCH, MUMBAI branch came to be assigned the code SBIN0004205.

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 SBIN0004205, money simply cannot be routed to the SPECIALISED PERSONAL BANKING BRANCH, MUMBAI branch electronically.

Products and account variants supported

Every account opened at the Specialised Personal Banking Branch, Mumbai branch is mapped to IFSC SBIN0004205 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 SBIN0004205.

Products and services

Customers walking into the Specialised Personal Banking Branch, Mumbai 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 SBIN0004205

How to transfer money using IFSC SBIN0004205

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 SBIN0004205 across all three.

How to use IFSC SBIN0004205 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's SPECIALISED PERSONAL BANKING BRANCH, MUMBAI 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC SBIN0004205.
4. Confirm the bank name auto-populates as State Bank of India and the branch as SPECIALISED PERSONAL BANKING BRANCH, MUMBAI.
5. 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 SPECIALISED PERSONAL BANKING BRANCH, MUMBAI

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's SPECIALISED PERSONAL BANKING BRANCH, MUMBAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0004205 while initiating the transfer and the credit will appear within minutes.

IMPS to State Bank of India SPECIALISED PERSONAL BANKING BRANCH, MUMBAI (IFSC SBIN0004205)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0004205 in your mobile or internet banking app, and the money is credited to the SPECIALISED PERSONAL BANKING BRANCH, MUMBAI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Specialised Personal Banking Branch, Mumbai

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 SBIN0004205:

• 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 SPECIALISED PERSONAL BANKING BRANCH, MUMBAI is still linked to IFSC SBIN0004205.

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.

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 SPECIALISED PERSONAL BANKING BRANCH, MUMBAI branch, the IFSC SBIN0004205 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 SBIN0004205

State Bank of India customers can register for net banking and the bank's official mobile app once their account at the SPECIALISED PERSONAL BANKING BRANCH, MUMBAI 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 SBIN0004205 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 SBIN0004205 and the account number together uniquely identify the Specialised Personal Banking Branch, Mumbai 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 – SPECIALISED PERSONAL BANKING BRANCH, MUMBAI:

• The IFSC is exactly SBIN0004205 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 SPECIALISED PERSONAL BANKING BRANCH, MUMBAI 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 Specialised Personal Banking Branch, Mumbai branch

The branch is located at DISTBRIHAN MUMBAI MAHARASHTRA 400023, which puts it inside Mumbai, the broader Greater Bombay district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “State Bank of India Specialised Personal Banking Branch, Mumbai branch” — the verified location pin for IFSC SBIN0004205 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 SBIN0004205 and your account number.

Verifying IFSC SBIN0004205 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 SBIN0004205 by:

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

Working hours

Branch counters at Specialised Personal Banking Branch, Mumbai 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 SBIN0004205 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SBIN0004205 belongs to State Bank of India's SPECIALISED PERSONAL BANKING BRANCH, MUMBAI branch, located at DISTBRIHAN MUMBAI MAHARASHTRA 400023 in MUMBAI, MAHARASHTRA. 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.