Use this page as a one-stop reference for everything related to State Bank of India's SAUNDA branch in SAUNDA, JHARKHAND. The branch's IFSC code SBIN0004895 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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 – SAUNDA is SBIN0004895. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004895 map to this branch in SAUNDA, JHARKHAND.
About the bank
State Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Saunda branch in Saunda, Jharkhand is part of this network and uses the IFSC code SBIN0004895 for all electronic settlement.
About the Saunda branch
The Saunda branch of State Bank of India is situated at DIST HAZARIBAGH,JHARKHAND 829126. 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 SBIN0004895 is used.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Saunda |
| IFSC Code | SBIN0004895 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DIST HAZARIBAGH,JHARKHAND 829126 |
| City | Saunda |
| District | Hazaribagh |
| State | Jharkhand |
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 SAUNDA of State Bank of India — its own 11-character IFSC. The code SBIN0004895 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 SBIN0004895 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Saunda branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0004895 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC SBIN0004895
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 SBIN0004895 across all three.
NEFT to State Bank of India, SAUNDA using IFSC SBIN0004895
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC SBIN0004895, and confirm that the system picks up State Bank of India – SAUNDA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC SBIN0004895
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 – SAUNDA, ensure your bank's portal accepts IFSC SBIN0004895 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 – SAUNDA, use IMPS. With IFSC SBIN0004895 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 Saunda
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 SBIN0004895:
- 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 SAUNDA is still linked to IFSC SBIN0004895.
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 SBIN0004895
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 – SAUNDA is still mapped to IFSC SBIN0004895. 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 SBIN0004895 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Saunda branch is mapped to IFSC SBIN0004895 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 SBIN0004895.
Products and services
Customers walking into the Saunda 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 SBIN0004895
Online banking and IFSC SBIN0004895
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the SAUNDA 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 SBIN0004895 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 Saunda branch sits at DIST HAZARIBAGH,JHARKHAND 829126. If you are travelling from outside Saunda, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 SBIN0004895 and your account number.
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 – SAUNDA:
- The IFSC is exactly SBIN0004895 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 SAUNDA 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.
Working hours
Branch counters at Saunda 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 SBIN0004895 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC SBIN0004895 for State Bank of India – SAUNDA, 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 address & contact
State Bank of IndiaSaunda Branch
DIST HAZARIBAGH,JHARKHAND 829126
Saunda, Jharkhand
Phone: the branch contact number
IFSC: SBIN0004895
Frequently asked questions
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 Saunda branch but serve different purposes.
Is IFSC SBIN0004895 the same for all accounts at Saunda branch?
Yes. The IFSC SBIN0004895 is shared by every account held at State Bank of India's Saunda branch. Only the account number changes from customer to customer.
Where is State Bank of India Saunda branch located?
State Bank of India's Saunda branch is located at DIST HAZARIBAGH,JHARKHAND 829126, Saunda, Jharkhand.
How quickly will an NEFT transfer using SBIN0004895 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Saunda reflect within 30 minutes.
Does State Bank of India Saunda branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
What is the IFSC code of State Bank of India Saunda branch?
The IFSC code of State Bank of India, Saunda branch is SBIN0004895. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC SBIN0004895 valid for NEFT and RTGS?
Yes. IFSC SBIN0004895 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: SBIN0004895 is the IFSC code of State Bank of India, SAUNDA branch, in SAUNDA, JHARKHAND. 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.
