IFSC Code of State Bank of India, Commercial Branch, Tiruchirapalli Branch, Tamil Nadu

This page lists the IFSC code, branch address, contact number and fund-transfer information for State Bank of India, COMMERCIAL BRANCH, TIRUCHIRAPALLI branch in TIRUCHIRAPALLI. The 11-digit IFSC SBIN0004060 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, TIRUCHIRAPALLI 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For State Bank of India's COMMERCIAL BRANCH, TIRUCHIRAPALLI branch, the IFSC SBIN0004060 breaks down as follows: SBIN identifies the bank, 0 is the reserved character, and 004060 identifies this particular branch.

Bank profile

State Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Commercial Branch, Tiruchirapalli branch — IFSC SBIN0004060 — extends the bank's services to customers in and around Tiruchirapalli, Tamil Nadu.

Commercial Branch, Tiruchirapalli branch overview

Located at DUKES COMPLEX, 6, BHARATHIAR SALAI, TIRUCHIRAPALLI, TN -620001, the Commercial Branch, Tiruchirapalli branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0004060 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, TIRUCHIRAPALLI branch came to be assigned the code SBIN0004060.

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 SBIN0004060, money simply cannot be routed to the COMMERCIAL BRANCH, TIRUCHIRAPALLI branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Commercial Branch, Tiruchirapalli branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0004060 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 SBIN0004060

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 SBIN0004060 across all three.

NEFT to State Bank of India, COMMERCIAL BRANCH, TIRUCHIRAPALLI using IFSC SBIN0004060

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 SBIN0004060, and confirm that the system picks up State Bank of India – COMMERCIAL BRANCH, TIRUCHIRAPALLI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to COMMERCIAL BRANCH, TIRUCHIRAPALLI

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's COMMERCIAL BRANCH, TIRUCHIRAPALLI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0004060 while initiating the transfer and the credit will appear within minutes.

IMPS to State Bank of India COMMERCIAL BRANCH, TIRUCHIRAPALLI (IFSC SBIN0004060)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0004060 in your mobile or internet banking app, and the money is credited to the COMMERCIAL BRANCH, TIRUCHIRAPALLI branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC SBIN0004060 for State Bank of India – COMMERCIAL BRANCH, TIRUCHIRAPALLI, 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.

For most retail customers crediting the Commercial Branch, Tiruchirapalli 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 SBIN0004060

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, TIRUCHIRAPALLI is still mapped to IFSC SBIN0004060. 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 SBIN0004060 and the beneficiary's account number to complete the transfer.

Account types you can open at the Commercial Branch, Tiruchirapalli branch

Once you have an account at State Bank of India – COMMERCIAL BRANCH, TIRUCHIRAPALLI, the IFSC SBIN0004060 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 Commercial Branch, Tiruchirapalli 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 SBIN0004060

Online banking and IFSC SBIN0004060

State Bank of India customers can register for net banking and the bank's official mobile app once their account at the COMMERCIAL BRANCH, TIRUCHIRAPALLI 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 SBIN0004060 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 Commercial Branch, Tiruchirapalli branch sits at DUKES COMPLEX, 6, BHARATHIAR SALAI, TIRUCHIRAPALLI, TN -620001. If you are travelling from outside Tiruchirapalli, 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 SBIN0004060 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, TIRUCHIRAPALLI:

• The IFSC is exactly SBIN0004060 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, TIRUCHIRAPALLI 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.

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 Commercial Branch, Tiruchirapalli branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0004060, however, work 24x7.

Verifying IFSC SBIN0004060 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 SBIN0004060 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

Summary

The IFSC code SBIN0004060 belongs to State Bank of India's COMMERCIAL BRANCH, TIRUCHIRAPALLI branch, located at DUKES COMPLEX, 6, BHARATHIAR SALAI, TIRUCHIRAPALLI, TN -620001 in TIRUCHIRAPALLI, 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.