IFSC Code of State Bank of India, Ramanuja Circle - Tirupati Branch, Andhra Pradesh

Below are the complete branch details for State Bank of India, RAMANUJA CIRCLE - TIRUPATI branch, located in TIRUPATI, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0010677. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case SBIN0010677 for State Bank of India – RAMANUJA CIRCLE - TIRUPATI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, SBIN0010677 is the IFSC of State Bank of India's RAMANUJA CIRCLE - TIRUPATI branch. The format is fixed: SBIN = bank code, 0 = reserved, 010677 = branch identifier.

Branch details at a glance

Bank profile

State Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Ramanuja Circle - Tirupati branch — IFSC SBIN0010677 — extends the bank's services to customers in and around Tirupati, Andhra Pradesh.

About this branch

The branch is located at C BY O STATE BANK OF INDIA ZONAL OFFICE, OPP TO APSRTC BUS STAND,TIRUPATI PIN 517 501. It serves the Tirupati 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 SBIN0010677 is used to identify this branch on the RBI payments network.

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 RAMANUJA CIRCLE - TIRUPATI of State Bank of India — its own 11-character IFSC. The code SBIN0010677 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 SBIN0010677 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC SBIN0010677

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 SBIN0010677 across all three.

How to use IFSC SBIN0010677 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's RAMANUJA CIRCLE - TIRUPATI 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 SBIN0010677.
4. Confirm the bank name auto-populates as State Bank of India and the branch as RAMANUJA CIRCLE - TIRUPATI.
5. 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 RAMANUJA CIRCLE - TIRUPATI

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's RAMANUJA CIRCLE - TIRUPATI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0010677 while initiating the transfer and the credit will appear within minutes.

IMPS to State Bank of India RAMANUJA CIRCLE - TIRUPATI (IFSC SBIN0010677)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0010677 in your mobile or internet banking app, and the money is credited to the RAMANUJA CIRCLE - TIRUPATI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ramanuja Circle - Tirupati

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 SBIN0010677:

• 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 RAMANUJA CIRCLE - TIRUPATI is still linked to IFSC SBIN0010677.

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.

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 RAMANUJA CIRCLE - TIRUPATI branch, the IFSC SBIN0010677 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.

Products and account variants supported

Every account opened at the Ramanuja Circle - Tirupati branch is mapped to IFSC SBIN0010677 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 SBIN0010677.

Banking services available

The Ramanuja Circle - Tirupati branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 0.

• 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 SBIN0010677

MICR & cheque-truncation details

Cheques drawn on the Ramanuja Circle - Tirupati branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0010677 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC SBIN0010677

State Bank of India customers can register for net banking and the bank's official mobile app once their account at the RAMANUJA CIRCLE - TIRUPATI 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 SBIN0010677 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.

Common mistakes to avoid when using IFSC SBIN0010677

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 – RAMANUJA CIRCLE - TIRUPATI, 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: SBIN0010677.
• 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.

How to reach the Ramanuja Circle - Tirupati branch

The branch is located at C BY O STATE BANK OF INDIA ZONAL OFFICE, OPP TO APSRTC BUS STAND,TIRUPATI PIN 517 501, which puts it inside Tirupati, the broader Anantpur 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 Ramanuja Circle - Tirupati branch” — the verified location pin for IFSC SBIN0010677 should appear at the top of the results.
2. Confirm the branch is open by calling 0 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 SBIN0010677 and your account number.

Verifying IFSC SBIN0010677 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 SBIN0010677 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 0.
• Visiting the bank's official branch locator page.

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 Ramanuja Circle - Tirupati branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0010677, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SBIN0010677 belongs to State Bank of India's RAMANUJA CIRCLE - TIRUPATI branch, located at C BY O STATE BANK OF INDIA ZONAL OFFICE, OPP TO APSRTC BUS STAND,TIRUPATI PIN… in TIRUPATI, ANDHRA PRADESH. 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.