This page lists the IFSC code, branch address, contact number and fund-transfer information for State Bank of India, ATUL branch in VALSAD. The 11-digit IFSC SBIN0001657 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 ATUL 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, SBIN0001657 is the IFSC of State Bank of India's ATUL branch. The format is fixed: SBIN = bank code, 0 = reserved, 001657 = branch identifier.
About State Bank of India
State Bank of India operates a wide network of branches across India, including the Atul branch in Valsad. 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, SBIN0001657.
About the Atul branch
The Atul branch of State Bank of India is situated at VALSAD,STATE.GUJARAT,PIN.396020.. 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 SBIN0001657 is used.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Atul |
| IFSC Code | SBIN0001657 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VALSAD,STATE.GUJARAT,PIN.396020. |
| City | Valsad |
| District | Valsad |
| State | Gujarat |
| STD Code | 2632 |
| Phone | 233628 |
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 ATUL of State Bank of India — its own 11-character IFSC. The code SBIN0001657 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 SBIN0001657 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 SBIN0001657 and the account number together uniquely identify the Atul branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC SBIN0001657
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 SBIN0001657 across all three.
How to use IFSC SBIN0001657 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's ATUL 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 SBIN0001657.
- Confirm the bank name auto-populates as State Bank of India and the branch as ATUL.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC SBIN0001657
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 – ATUL, ensure your bank's portal accepts IFSC SBIN0001657 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 – ATUL, use IMPS. With IFSC SBIN0001657 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SBIN0001657 for State Bank of India – ATUL, 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 – SBIN0001657 | Yes – SBIN0001657 | Yes – SBIN0001657 |
For most retail customers crediting the Atul 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 SBIN0001657
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 – ATUL is still mapped to IFSC SBIN0001657. 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 SBIN0001657 and the beneficiary's account number to complete the transfer.
Account types you can open at the Atul branch
Once you have an account at State Bank of India – ATUL, the IFSC SBIN0001657 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 Atul 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 SBIN0001657
Digital banking channels
Most day-to-day work that customers used to do at the Atul 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 SBIN0001657 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 Atul branch
The branch is located at VALSAD,STATE.GUJARAT,PIN.396020., which puts it inside Valsad, the broader Valsad district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “State Bank of India Atul branch” — the verified location pin for IFSC SBIN0001657 should appear at the top of the results.
- Confirm the branch is open by calling 2632-233628 before stepping out, especially around public holidays.
- 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 SBIN0001657 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 – ATUL:
- The IFSC is exactly SBIN0001657 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 ATUL 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 Atul 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 SBIN0001657 continue to work without interruption.
Verifying IFSC SBIN0001657 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 SBIN0001657 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2632-233628.
- Visiting the bank's official branch locator page.
Branch address & contact
State Bank of IndiaAtul Branch
VALSAD,STATE.GUJARAT,PIN.396020.
Valsad, Gujarat
Phone: 2632-233628
IFSC: SBIN0001657
Frequently asked questions
Is IFSC SBIN0001657 valid for NEFT and RTGS?
Yes. IFSC SBIN0001657 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of State Bank of India Atul branch?
You can reach the branch at 2632-233628 during regular banking hours.
Is IFSC SBIN0001657 the same for all accounts at Atul branch?
Yes. The IFSC SBIN0001657 is shared by every account held at State Bank of India's Atul branch. Only the account number changes from customer to customer.
How do I add State Bank of India Atul as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0001657, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is State Bank of India Atul branch located?
State Bank of India's Atul branch is located at VALSAD,STATE.GUJARAT,PIN.396020., Valsad, Gujarat.
What is the IFSC code of State Bank of India Atul branch?
The IFSC code of State Bank of India, Atul branch is SBIN0001657. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC SBIN0001657 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0001657 to send funds instantly.
Final notes
To recap: SBIN0001657 is the IFSC code of State Bank of India, ATUL branch, in VALSAD, GUJARAT. 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.
