IFSC Code of State Bank of India, Rajaram Nagar Armoor Branch, Andhra Pradesh

Use this page as a one-stop reference for everything related to State Bank of India's RAJARAM NAGAR ARMOOR branch in NIZAMABAD, ANDHRA PRADESH. The branch's IFSC code SBIN0020894 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 RAJARAM NAGAR ARMOOR branch, the IFSC SBIN0020894 breaks down as follows: SBIN identifies the bank, 0 is the reserved character, and 020894 identifies this particular branch.

Bank profile

State Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Rajaram Nagar Armoor branch — IFSC SBIN0020894 — extends the bank's services to customers in and around Nizamabad, Andhra Pradesh.

Rajaram Nagar Armoor branch overview

Located at N470B1GUPTACMPLEXMAHALAKSHMICLNYRAJARAMNAGARARMR, the Rajaram Nagar Armoor branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0020894 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 RAJARAM NAGAR ARMOOR branch came to be assigned the code SBIN0020894.

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 SBIN0020894, money simply cannot be routed to the RAJARAM NAGAR ARMOOR branch electronically.

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 SBIN0020894 and the account number together uniquely identify the Rajaram Nagar Armoor branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC SBIN0020894

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 SBIN0020894 across all three.

NEFT to State Bank of India, RAJARAM NAGAR ARMOOR using IFSC SBIN0020894

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 SBIN0020894, and confirm that the system picks up State Bank of India – RAJARAM NAGAR ARMOOR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to RAJARAM NAGAR ARMOOR

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's RAJARAM NAGAR ARMOOR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0020894 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 – RAJARAM NAGAR ARMOOR, use IMPS. With IFSC SBIN0020894 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 SBIN0020894 for State Bank of India – RAJARAM NAGAR ARMOOR, 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 Rajaram Nagar Armoor 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 SBIN0020894

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 – RAJARAM NAGAR ARMOOR is still mapped to IFSC SBIN0020894. 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 SBIN0020894 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Rajaram Nagar Armoor branch is mapped to IFSC SBIN0020894 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 SBIN0020894.

Banking services available

The Rajaram Nagar Armoor branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8463-225319.

• 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 SBIN0020894

Digital banking channels

Most day-to-day work that customers used to do at the Rajaram Nagar Armoor 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 SBIN0020894 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.

How to reach the Rajaram Nagar Armoor branch

The branch is located at N470B1GUPTACMPLEXMAHALAKSHMICLNYRAJARAMNAGARARMR, which puts it inside Nizamabad, the broader Nizamabad district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “State Bank of India Rajaram Nagar Armoor branch” — the verified location pin for IFSC SBIN0020894 should appear at the top of the results.
2. Confirm the branch is open by calling 8463-225319 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 SBIN0020894 and your account number.

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 – RAJARAM NAGAR ARMOOR:

• The IFSC is exactly SBIN0020894 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 RAJARAM NAGAR ARMOOR 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.

Working hours

Branch counters at Rajaram Nagar Armoor 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 SBIN0020894 continue to work without interruption.

Verifying IFSC SBIN0020894 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 SBIN0020894 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8463-225319.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: SBIN0020894 is the IFSC code of State Bank of India, RAJARAM NAGAR ARMOOR branch, in NIZAMABAD, ANDHRA PRADESH. 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.