If you are searching for the IFSC code of State Bank of India, SADALI branch in SADALI, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is SBIN0040281. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the SADALI branch, and detailed step-by-step guides for using the IFSC SBIN0040281 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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, SBIN0040281 is the IFSC of State Bank of India's SADALI branch. The format is fixed: SBIN = bank code, 0 = reserved, 040281 = branch identifier.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Sadali |
| IFSC Code | SBIN0040281 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SADALI,SADALI,KOLAR,KARNATAKA,SADALI 562 104 |
| City | Sadali |
| District | Kolar |
| State | Karnataka |
| STD Code | 8158 |
| Phone | 259645 |
About State Bank of India
State Bank of India operates a wide network of branches across India, including the Sadali branch in Sadali. 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, SBIN0040281.
About this branch
The branch is located at SADALI,SADALI,KOLAR,KARNATAKA,SADALI 562 104. It serves the Sadali 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 SBIN0040281 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 SADALI branch came to be assigned the code SBIN0040281.
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 SBIN0040281, money simply cannot be routed to the SADALI branch electronically.
How to transfer money using IFSC SBIN0040281
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 SBIN0040281 across all three.
How to use IFSC SBIN0040281 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's SADALI 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 SBIN0040281.
- Confirm the bank name auto-populates as State Bank of India and the branch as SADALI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC SBIN0040281
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 – SADALI, ensure your bank's portal accepts IFSC SBIN0040281 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 – SADALI, use IMPS. With IFSC SBIN0040281 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Sadali
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC SBIN0040281:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at SADALI is still linked to IFSC SBIN0040281.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
UPI payments and IFSC SBIN0040281
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 – SADALI is still mapped to IFSC SBIN0040281. 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 SBIN0040281 and the beneficiary's account number to complete the transfer.
Account types you can open at the Sadali branch
Once you have an account at State Bank of India – SADALI, the IFSC SBIN0040281 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 Sadali 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 SBIN0040281
MICR & cheque-truncation details
Cheques drawn on the Sadali branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0040281 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC SBIN0040281
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the SADALI 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 SBIN0040281 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.
Common mistakes to avoid when using IFSC SBIN0040281
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 – SADALI, 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:
SBIN0040281. - 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.
Reaching the branch
The Sadali branch sits at SADALI,SADALI,KOLAR,KARNATAKA,SADALI 562 104. If you are travelling from outside Sadali, search for the branch on a maps application using the bank name and locality, or call 8158-259645 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 SBIN0040281 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC SBIN0040281 for State Bank of India – SADALI, 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.
Working hours
Branch counters at Sadali 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 SBIN0040281 continue to work without interruption.
Branch address & contact
State Bank of IndiaSadali Branch
SADALI,SADALI,KOLAR,KARNATAKA,SADALI 562 104
Sadali, Karnataka
Phone: 8158-259645
IFSC: SBIN0040281
Frequently asked questions
How do I add State Bank of India Sadali as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0040281, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using SBIN0040281 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Sadali reflect within 30 minutes.
Is IFSC SBIN0040281 valid for NEFT and RTGS?
Yes. IFSC SBIN0040281 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is State Bank of India Sadali branch located?
State Bank of India's Sadali branch is located at SADALI,SADALI,KOLAR,KARNATAKA,SADALI 562 104, Sadali, Karnataka.
Does State Bank of India Sadali branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8158-259645 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 Sadali branch but serve different purposes.
Summary
The IFSC code SBIN0040281 belongs to State Bank of India's SADALI branch, located at SADALI,SADALI,KOLAR,KARNATAKA,SADALI 562 104 in SADALI, KARNATAKA. 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.
