This page lists the IFSC code, branch address, contact number and fund-transfer information for State Bank of India, SARADA branch in SARADA. The 11-digit IFSC SBIN0031224 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 SARADA 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.
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, SBIN0031224 is the IFSC of State Bank of India's SARADA branch. The format is fixed: SBIN = bank code, 0 = reserved, 031224 = branch identifier.
About State Bank of India
State Bank of India operates a wide network of branches across India, including the Sarada branch in Sarada. 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, SBIN0031224.
About this branch
The branch is located at MAIN ROAD, SARADA, DISTTUDAIPUR 313902. It serves the Sarada 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 SBIN0031224 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Sarada |
| IFSC Code | SBIN0031224 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MAIN ROAD, SARADA, DISTTUDAIPUR 313902 |
| City | Sarada |
| District | Udaipur |
| State | Rajasthan |
| STD Code | 2905 |
| Phone | 260031 |
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 SARADA of State Bank of India — its own 11-character IFSC. The code SBIN0031224 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 SBIN0031224 the same way you would treat your account number — verify it once and save it carefully for future use.
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 SBIN0031224 and the account number together uniquely identify the Sarada branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC SBIN0031224
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 SBIN0031224 across all three.
How to use IFSC SBIN0031224 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's SARADA 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 SBIN0031224.
- Confirm the bank name auto-populates as State Bank of India and the branch as SARADA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC SBIN0031224
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 – SARADA, ensure your bank's portal accepts IFSC SBIN0031224 while registering the beneficiary. RTGS is also available 24x7.
IMPS to State Bank of India SARADA (IFSC SBIN0031224)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0031224 in your mobile or internet banking app, and the money is credited to the SARADA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SBIN0031224 for State Bank of India – SARADA, 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 – SBIN0031224 | Yes – SBIN0031224 | Yes – SBIN0031224 |
For most retail customers crediting the Sarada 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 SBIN0031224
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 – SARADA is still mapped to IFSC SBIN0031224. 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 SBIN0031224 and the beneficiary's account number to complete the transfer.
Account types you can open at the Sarada branch
Once you have an account at State Bank of India – SARADA, the IFSC SBIN0031224 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 Sarada 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 SBIN0031224
Online banking and IFSC SBIN0031224
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the SARADA 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 SBIN0031224 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.
Reaching the branch
The Sarada branch sits at MAIN ROAD, SARADA, DISTTUDAIPUR 313902. If you are travelling from outside Sarada, search for the branch on a maps application using the bank name and locality, or call 2905-260031 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 SBIN0031224 and your account number.
Common mistakes to avoid when using IFSC SBIN0031224
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 – SARADA, 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:
SBIN0031224. - 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.
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 Sarada branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0031224, however, work 24x7.
Verifying IFSC SBIN0031224 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 SBIN0031224 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2905-260031.
- Visiting the bank's official branch locator page.
Branch address & contact
State Bank of IndiaSarada Branch
MAIN ROAD, SARADA, DISTTUDAIPUR 313902
Sarada, Rajasthan
Phone: 2905-260031
IFSC: SBIN0031224
Frequently asked questions
How quickly will an NEFT transfer using SBIN0031224 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Sarada reflect within 30 minutes.
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 Sarada branch but serve different purposes.
How do I add State Bank of India Sarada as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0031224, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is State Bank of India Sarada branch located?
State Bank of India's Sarada branch is located at MAIN ROAD, SARADA, DISTTUDAIPUR 313902, Sarada, Rajasthan.
Can I use IFSC SBIN0031224 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0031224 to send funds instantly.
What is the IFSC code of State Bank of India Sarada branch?
The IFSC code of State Bank of India, Sarada branch is SBIN0031224. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC SBIN0031224 valid for NEFT and RTGS?
Yes. IFSC SBIN0031224 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of State Bank of India Sarada branch?
You can reach the branch at 2905-260031 during regular banking hours.
Final notes
To recap: SBIN0031224 is the IFSC code of State Bank of India, SARADA branch, in SARADA, RAJASTHAN. 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.
