Below are the complete branch details for State Bank of India, PALACODE branch, located in PALACODE, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0003689. 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 SBIN0003689 for State Bank of India – PALACODE — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – PALACODE is SBIN0003689. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003689 map to this branch in PALACODE, TAMIL NADU.
Bank profile
State Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Palacode branch — IFSC SBIN0003689 — extends the bank's services to customers in and around Palacode, Tamil Nadu.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Palacode |
| IFSC Code | SBIN0003689 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NEW BUS STAND COMPLEX, PALACODE, DISTT. DHARMAPURI, TAMIL NADU 636808 |
| City | Palacode |
| District | Dharmapuri |
| State | Tamil Nadu |
About the Palacode branch
The Palacode branch of State Bank of India is situated at NEW BUS STAND COMPLEX, PALACODE, DISTT. DHARMAPURI, TAMIL NADU 636808. 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 SBIN0003689 is used.
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 PALACODE branch came to be assigned the code SBIN0003689.
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 SBIN0003689, money simply cannot be routed to the PALACODE branch electronically.
Products and account variants supported
Every account opened at the Palacode branch is mapped to IFSC SBIN0003689 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 SBIN0003689.
Banking services available
The Palacode branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- 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 SBIN0003689
How to transfer money using IFSC SBIN0003689
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 SBIN0003689 across all three.
How to use IFSC SBIN0003689 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's PALACODE 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 SBIN0003689.
- Confirm the bank name auto-populates as State Bank of India and the branch as PALACODE.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC SBIN0003689
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 – PALACODE, ensure your bank's portal accepts IFSC SBIN0003689 while registering the beneficiary. RTGS is also available 24x7.
IMPS to State Bank of India PALACODE (IFSC SBIN0003689)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0003689 in your mobile or internet banking app, and the money is credited to the PALACODE branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SBIN0003689 for State Bank of India – PALACODE, 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 – SBIN0003689 | Yes – SBIN0003689 | Yes – SBIN0003689 |
For most retail customers crediting the Palacode 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 PALACODE branch, the IFSC SBIN0003689 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.
Digital banking channels
Most day-to-day work that customers used to do at the Palacode 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 SBIN0003689 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.
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 SBIN0003689 and the account number together uniquely identify the Palacode branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC SBIN0003689
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to State Bank of India – PALACODE, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
SBIN0003689. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
How to reach the Palacode branch
The branch is located at NEW BUS STAND COMPLEX, PALACODE, DISTT. DHARMAPURI, TAMIL NADU 636808, which puts it inside Palacode, the broader Dharmapuri district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “State Bank of India Palacode branch” — the verified location pin for IFSC SBIN0003689 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number 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 SBIN0003689 and your account number.
Verifying IFSC SBIN0003689 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 SBIN0003689 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.
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 Palacode branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0003689, however, work 24x7.
Branch address & contact
State Bank of IndiaPalacode Branch
NEW BUS STAND COMPLEX, PALACODE, DISTT. DHARMAPURI, TAMIL NADU 636808
Palacode, Tamil Nadu
Phone: the branch contact number
IFSC: SBIN0003689
Frequently asked questions
Is IFSC SBIN0003689 valid for NEFT and RTGS?
Yes. IFSC SBIN0003689 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of State Bank of India Palacode branch?
The IFSC code of State Bank of India, Palacode branch is SBIN0003689. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Palacode branch but serve different purposes.
Can I use IFSC SBIN0003689 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0003689 to send funds instantly.
What is the phone number of State Bank of India Palacode branch?
You can reach the branch at the branch contact number during regular banking hours.
Where is State Bank of India Palacode branch located?
State Bank of India's Palacode branch is located at NEW BUS STAND COMPLEX, PALACODE, DISTT. DHARMAPURI, TAMIL NADU 636808, Palacode, Tamil Nadu.
How do I add State Bank of India Palacode as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0003689, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: SBIN0003689 is the IFSC code of State Bank of India, PALACODE branch, in PALACODE, TAMIL NADU. 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.
