IFSC Code of State Bank of India, Spl Personal Banking Br Branch, Uttar Pradesh

Below are the complete branch details for State Bank of India, SPL PERSONAL BANKING BR branch, located in PADRAUNA, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0016799. 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 SBIN0016799 for State Bank of India – SPL PERSONAL BANKING BR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 SPL PERSONAL BANKING BR branch, the IFSC SBIN0016799 breaks down as follows: SBIN identifies the bank, 0 is the reserved character, and 016799 identifies this particular branch.

Branch details at a glance

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 Spl Personal Banking Br branch in Padrauna, Uttar Pradesh is part of this network and uses the IFSC code SBIN0016799 for all electronic settlement.

About this branch

The branch is located at PB BRANCH,PADRAUNA,SUBHASH CHOWK,PO.PADRAUNA,DISTT.KUSHINAGAR.UTTAR PRADESH 274304. It serves the Padrauna 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 SBIN0016799 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 SPL PERSONAL BANKING BR branch came to be assigned the code SBIN0016799.

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 SBIN0016799, money simply cannot be routed to the SPL PERSONAL BANKING BR branch electronically.

How to transfer money using IFSC SBIN0016799

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 SBIN0016799 across all three.

How to use IFSC SBIN0016799 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's SPL PERSONAL BANKING BR 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 SBIN0016799.
4. Confirm the bank name auto-populates as State Bank of India and the branch as SPL PERSONAL BANKING BR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC SBIN0016799

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 – SPL PERSONAL BANKING BR, ensure your bank's portal accepts IFSC SBIN0016799 while registering the beneficiary. RTGS is also available 24x7.

IMPS to State Bank of India SPL PERSONAL BANKING BR (IFSC SBIN0016799)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0016799 in your mobile or internet banking app, and the money is credited to the SPL PERSONAL BANKING BR branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC SBIN0016799 for State Bank of India – SPL PERSONAL BANKING BR, 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 Spl Personal Banking Br 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 SPL PERSONAL BANKING BR branch, the IFSC SBIN0016799 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.

Products and account variants supported

Every account opened at the Spl Personal Banking Br branch is mapped to IFSC SBIN0016799 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 SBIN0016799.

Products and services

Customers walking into the Spl Personal Banking Br 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 SBIN0016799

MICR & cheque-truncation details

Cheques drawn on the Spl Personal Banking Br branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0016799 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC SBIN0016799

State Bank of India customers can register for net banking and the bank's official mobile app once their account at the SPL PERSONAL BANKING BR 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 SBIN0016799 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.

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 – SPL PERSONAL BANKING BR:

• The IFSC is exactly SBIN0016799 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 SPL PERSONAL BANKING BR 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 Spl Personal Banking Br branch sits at PB BRANCH,PADRAUNA,SUBHASH CHOWK,PO.PADRAUNA,DISTT.KUSHINAGAR.UTTAR PRADESH 274304. If you are travelling from outside Padrauna, search for the branch on a maps application using the bank name and locality, or call 7408435085 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 SBIN0016799 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SBIN0016799 for State Bank of India – SPL PERSONAL BANKING BR, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

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 Spl Personal Banking Br branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0016799, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SBIN0016799 belongs to State Bank of India's SPL PERSONAL BANKING BR branch, located at PB BRANCH,PADRAUNA,SUBHASH CHOWK,PO.PADRAUNA,DISTT.KUSHINAGAR.UTTAR PRADESH… in PADRAUNA, UTTAR PRADESH. 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.