This page lists the IFSC code, branch address, contact number and fund-transfer information for State Bank of India, RAYAGADA branch in RAYAGADA. The 11-digit IFSC SBIN0000169 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 RAYAGADA 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.
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 – RAYAGADA is SBIN0000169. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000169 map to this branch in RAYAGADA, ODISHA.
About State Bank of India
State Bank of India operates a wide network of branches across India, including the Rayagada branch in Rayagada. 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, SBIN0000169.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Rayagada |
| IFSC Code | SBIN0000169 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MAIN RD., RAYAGADA-785001 |
| City | Rayagada |
| District | Rayagada |
| State | Odisha |
About this branch
The branch is located at MAIN RD., RAYAGADA-785001. It serves the Rayagada 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 SBIN0000169 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 RAYAGADA branch came to be assigned the code SBIN0000169.
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 SBIN0000169, money simply cannot be routed to the RAYAGADA branch electronically.
Account types you can open at the Rayagada branch
Once you have an account at State Bank of India – RAYAGADA, the IFSC SBIN0000169 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Rayagada 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 SBIN0000169
How to transfer money using IFSC SBIN0000169
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 SBIN0000169 across all three.
How to use IFSC SBIN0000169 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's RAYAGADA 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 SBIN0000169.
- Confirm the bank name auto-populates as State Bank of India and the branch as RAYAGADA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC SBIN0000169
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 – RAYAGADA, ensure your bank's portal accepts IFSC SBIN0000169 while registering the beneficiary. RTGS is also available 24x7.
IMPS to State Bank of India RAYAGADA (IFSC SBIN0000169)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0000169 in your mobile or internet banking app, and the money is credited to the RAYAGADA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SBIN0000169 for State Bank of India – RAYAGADA, 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 – SBIN0000169 | Yes – SBIN0000169 | Yes – SBIN0000169 |
For most retail customers crediting the Rayagada 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 SBIN0000169
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 – RAYAGADA is still mapped to IFSC SBIN0000169. 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 SBIN0000169 and the beneficiary's account number to complete the transfer.
Online banking and IFSC SBIN0000169
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the RAYAGADA 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 SBIN0000169 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 SBIN0000169 and the account number together uniquely identify the Rayagada 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 SBIN0000169
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 – RAYAGADA, 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:
SBIN0000169. - 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 Rayagada branch
The branch is located at MAIN RD., RAYAGADA-785001, which puts it inside Rayagada, the broader Rayagada district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “State Bank of India Rayagada branch” — the verified location pin for IFSC SBIN0000169 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 SBIN0000169 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC SBIN0000169 for State Bank of India – RAYAGADA, 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 Rayagada branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0000169, however, work 24x7.
Branch address & contact
State Bank of IndiaRayagada Branch
MAIN RD., RAYAGADA-785001
Rayagada, Odisha
Phone: the branch contact number
IFSC: SBIN0000169
Frequently asked questions
How quickly will an NEFT transfer using SBIN0000169 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Rayagada reflect within 30 minutes.
Is IFSC SBIN0000169 valid for NEFT and RTGS?
Yes. IFSC SBIN0000169 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC SBIN0000169 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0000169 to send funds instantly.
Where is State Bank of India Rayagada branch located?
State Bank of India's Rayagada branch is located at MAIN RD., RAYAGADA-785001, Rayagada, Odisha.
What is the phone number of State Bank of India Rayagada branch?
You can reach the branch at the branch contact number during regular banking hours.
How do I add State Bank of India Rayagada as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0000169, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC SBIN0000169 the same for all accounts at Rayagada branch?
Yes. The IFSC SBIN0000169 is shared by every account held at State Bank of India's Rayagada branch. Only the account number changes from customer to customer.
What is the IFSC code of State Bank of India Rayagada branch?
The IFSC code of State Bank of India, Rayagada branch is SBIN0000169. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code SBIN0000169 belongs to State Bank of India's RAYAGADA branch, located at MAIN RD., RAYAGADA-785001 in RAYAGADA, ODISHA. 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.
