IFSC Code of State Bank of India, Commercial Branch Secunerabad Branch, Andhra Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for State Bank of India, COMMERCIAL BRANCH SECUNERABAD branch in SECUNDRABAD. The 11-digit IFSC SBIN0004031 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 COMMERCIAL BRANCH SECUNERABAD 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, SBIN0004031 is the IFSC of State Bank of India's COMMERCIAL BRANCH SECUNERABAD branch. The format is fixed: SBIN = bank code, 0 = reserved, 004031 = branch identifier.

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 Commercial Branch Secunerabad branch in Secundrabad, Andhra Pradesh is part of this network and uses the IFSC code SBIN0004031 for all electronic settlement.

Commercial Branch Secunerabad branch overview

Located at FLAG 101 TO 106A,BLOCK-B, ASHOK MY HOME CHAMBERS, SP RD,HYDERABAD,AP 500003, the Commercial Branch Secunerabad branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0004031 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 COMMERCIAL BRANCH SECUNERABAD branch came to be assigned the code SBIN0004031.

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 SBIN0004031, money simply cannot be routed to the COMMERCIAL BRANCH SECUNERABAD branch electronically.

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 SBIN0004031 and the account number together uniquely identify the Commercial Branch Secunerabad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC SBIN0004031

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 SBIN0004031 across all three.

How to use IFSC SBIN0004031 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's COMMERCIAL BRANCH SECUNERABAD 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC SBIN0004031.
4. Confirm the bank name auto-populates as State Bank of India and the branch as COMMERCIAL BRANCH SECUNERABAD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC SBIN0004031

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 – COMMERCIAL BRANCH SECUNERABAD, ensure your bank's portal accepts IFSC SBIN0004031 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 – COMMERCIAL BRANCH SECUNERABAD, use IMPS. With IFSC SBIN0004031 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 Commercial Branch Secunerabad

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 SBIN0004031:

• 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 COMMERCIAL BRANCH SECUNERABAD is still linked to IFSC SBIN0004031.

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 SBIN0004031

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 – COMMERCIAL BRANCH SECUNERABAD is still mapped to IFSC SBIN0004031. 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 SBIN0004031 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Commercial Branch Secunerabad branch is mapped to IFSC SBIN0004031 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 SBIN0004031.

Products and services

Customers walking into the Commercial Branch Secunerabad 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 SBIN0004031

Digital banking channels

Most day-to-day work that customers used to do at the Commercial Branch Secunerabad branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC SBIN0004031 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

How to reach the Commercial Branch Secunerabad branch

The branch is located at FLAG 101 TO 106A,BLOCK-B, ASHOK MY HOME CHAMBERS, SP RD,HYDERABAD,AP 500003, which puts it inside Secundrabad, the broader Hyderabad Urban district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “State Bank of India Commercial Branch Secunerabad branch” — the verified location pin for IFSC SBIN0004031 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
3. 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 SBIN0004031 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 – COMMERCIAL BRANCH SECUNERABAD:

• The IFSC is exactly SBIN0004031 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 COMMERCIAL BRANCH SECUNERABAD 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 Commercial Branch Secunerabad 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 SBIN0004031 continue to work without interruption.

Verifying IFSC SBIN0004031 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 SBIN0004031 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on the branch contact number.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: SBIN0004031 is the IFSC code of State Bank of India, COMMERCIAL BRANCH SECUNERABAD branch, in SECUNDRABAD, ANDHRA PRADESH. 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.