This page lists the IFSC code, branch address, contact number and fund-transfer information for State Bank of India, FIVE ROADS SALEM branch in SALEM. The 11-digit IFSC SBIN0040637 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 FIVE ROADS SALEM 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 – FIVE ROADS SALEM is SBIN0040637. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 040637 map to this branch in SALEM, TAMIL NADU.
Bank profile
State Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Five Roads Salem branch — IFSC SBIN0040637 — extends the bank's services to customers in and around Salem, Tamil Nadu.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Five Roads Salem |
| IFSC Code | SBIN0040637 |
| MICR Code | Refer to cheque leaf |
| Branch Address | FIVE ROADS SALEM,TAMIL NADU,SALEM 636004 |
| City | Salem |
| District | Salem |
| State | Tamil Nadu |
| STD Code | 427 |
| Phone | 2335235 |
About the Five Roads Salem branch
The Five Roads Salem branch of State Bank of India is situated at FIVE ROADS SALEM,TAMIL NADU,SALEM 636004. 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 SBIN0040637 is used.
Why every State Bank of India branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including FIVE ROADS SALEM of State Bank of India — its own 11-character IFSC. The code SBIN0040637 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC SBIN0040637 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Five Roads Salem branch is mapped to IFSC SBIN0040637 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 SBIN0040637.
Banking services available
The Five Roads Salem branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 427-2335235.
- 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 SBIN0040637
How to transfer money using IFSC SBIN0040637
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 SBIN0040637 across all three.
How to use IFSC SBIN0040637 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's FIVE ROADS SALEM 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 SBIN0040637.
- Confirm the bank name auto-populates as State Bank of India and the branch as FIVE ROADS SALEM.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to FIVE ROADS SALEM
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's FIVE ROADS SALEM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0040637 while initiating the transfer and the credit will appear within minutes.
IMPS to State Bank of India FIVE ROADS SALEM (IFSC SBIN0040637)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0040637 in your mobile or internet banking app, and the money is credited to the FIVE ROADS SALEM branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SBIN0040637 for State Bank of India – FIVE ROADS SALEM, 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 – SBIN0040637 | Yes – SBIN0040637 | Yes – SBIN0040637 |
For most retail customers crediting the Five Roads Salem 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 FIVE ROADS SALEM branch, the IFSC SBIN0040637 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.
Online banking and IFSC SBIN0040637
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the FIVE ROADS SALEM 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 SBIN0040637 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 & cheque-truncation details
Cheques drawn on the Five Roads Salem branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0040637 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – FIVE ROADS SALEM:
- The IFSC is exactly SBIN0040637 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 FIVE ROADS SALEM 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 Five Roads Salem branch sits at FIVE ROADS SALEM,TAMIL NADU,SALEM 636004. If you are travelling from outside Salem, search for the branch on a maps application using the bank name and locality, or call 427-2335235 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 SBIN0040637 and your account number.
Verifying IFSC SBIN0040637 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 SBIN0040637 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 427-2335235.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Five Roads Salem 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 SBIN0040637 continue to work without interruption.
Branch address & contact
State Bank of IndiaFive Roads Salem Branch
FIVE ROADS SALEM,TAMIL NADU,SALEM 636004
Salem, Tamil Nadu
Phone: 427-2335235
IFSC: SBIN0040637
Frequently asked questions
Can I use IFSC SBIN0040637 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0040637 to send funds instantly.
How quickly will an NEFT transfer using SBIN0040637 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Five Roads Salem reflect within 30 minutes.
Is IFSC SBIN0040637 the same for all accounts at Five Roads Salem branch?
Yes. The IFSC SBIN0040637 is shared by every account held at State Bank of India's Five Roads Salem branch. Only the account number changes from customer to customer.
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 Five Roads Salem branch but serve different purposes.
What is the phone number of State Bank of India Five Roads Salem branch?
You can reach the branch at 427-2335235 during regular banking hours.
Where is State Bank of India Five Roads Salem branch located?
State Bank of India's Five Roads Salem branch is located at FIVE ROADS SALEM,TAMIL NADU,SALEM 636004, Salem, Tamil Nadu.
Does State Bank of India Five Roads Salem branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 427-2335235 to confirm.
Is IFSC SBIN0040637 valid for NEFT and RTGS?
Yes. IFSC SBIN0040637 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code SBIN0040637 belongs to State Bank of India's FIVE ROADS SALEM branch, located at FIVE ROADS SALEM,TAMIL NADU,SALEM 636004 in SALEM, TAMIL NADU. 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.
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