This page lists the IFSC code, branch address, contact number and fund-transfer information for State Bank of India, RAMTHIRTH ADB branch in NANDED. The 11-digit IFSC SBIN0020453 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with State Bank of India at the RAMTHIRTH ADB location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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, SBIN0020453 is the IFSC of State Bank of India's RAMTHIRTH ADB branch. The format is fixed: SBIN = bank code, 0 = reserved, 020453 = branch identifier.
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 Ramthirth ADB branch in Nanded, Maharashtra is part of this network and uses the IFSC code SBIN0020453 for all electronic settlement.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Ramthirth ADB |
| IFSC Code | SBIN0020453 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SELSH |
| City | Nanded |
| District | Nanded |
| State | Maharashtra |
| STD Code | 2465 |
| Phone | 267148 |
About the Ramthirth ADB branch
The Ramthirth ADB branch of State Bank of India is situated at SELSH. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code SBIN0020453 is used.
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 RAMTHIRTH ADB of State Bank of India — its own 11-character IFSC. The code SBIN0020453 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 SBIN0020453 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Ramthirth ADB branch is mapped to IFSC SBIN0020453 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 SBIN0020453.
Banking services available
The Ramthirth ADB branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2465-267148.
- 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 SBIN0020453
How to transfer money using IFSC SBIN0020453
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 SBIN0020453 across all three.
How to use IFSC SBIN0020453 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's RAMTHIRTH ADB 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 SBIN0020453.
- Confirm the bank name auto-populates as State Bank of India and the branch as RAMTHIRTH ADB.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC SBIN0020453
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 – RAMTHIRTH ADB, ensure your bank's portal accepts IFSC SBIN0020453 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 – RAMTHIRTH ADB, use IMPS. With IFSC SBIN0020453 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 SBIN0020453 for State Bank of India – RAMTHIRTH ADB, 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 – SBIN0020453 | Yes – SBIN0020453 | Yes – SBIN0020453 |
For most retail customers crediting the Ramthirth ADB 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 SBIN0020453
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 – RAMTHIRTH ADB is still mapped to IFSC SBIN0020453. 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 SBIN0020453 and the beneficiary's account number to complete the transfer.
Online banking and IFSC SBIN0020453
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the RAMTHIRTH ADB 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 SBIN0020453 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 SBIN0020453 and the account number together uniquely identify the Ramthirth ADB 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 – RAMTHIRTH ADB:
- The IFSC is exactly SBIN0020453 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 RAMTHIRTH ADB 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 Ramthirth ADB branch
The branch is located at SELSH, which puts it inside Nanded, the broader Nanded district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “State Bank of India Ramthirth ADB branch” — the verified location pin for IFSC SBIN0020453 should appear at the top of the results.
- Confirm the branch is open by calling 2465-267148 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 SBIN0020453 and your account number.
Verifying IFSC SBIN0020453 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 SBIN0020453 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2465-267148.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Ramthirth ADB 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 SBIN0020453 continue to work without interruption.
Branch address & contact
State Bank of IndiaRamthirth ADB Branch
SELSH
Nanded, Maharashtra
Phone: 2465-267148
IFSC: SBIN0020453
Frequently asked questions
How quickly will an NEFT transfer using SBIN0020453 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Ramthirth ADB reflect within 30 minutes.
Can I use IFSC SBIN0020453 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0020453 to send funds instantly.
How do I add State Bank of India Ramthirth ADB as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0020453, and complete OTP verification. Once activated, you can transfer funds at any time.
Does State Bank of India Ramthirth ADB branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2465-267148 to confirm.
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 Ramthirth ADB branch but serve different purposes.
Is IFSC SBIN0020453 valid for NEFT and RTGS?
Yes. IFSC SBIN0020453 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC SBIN0020453 the same for all accounts at Ramthirth ADB branch?
Yes. The IFSC SBIN0020453 is shared by every account held at State Bank of India's Ramthirth ADB branch. Only the account number changes from customer to customer.
Summary
The IFSC code SBIN0020453 belongs to State Bank of India's RAMTHIRTH ADB branch, located at SELSH in NANDED, 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.
