IFSC Code of State Bank of India, Vishakhapatnam Spl. Eco. Zone, Vishakhapatnam Branch, Andhra Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for State Bank of India, VISHAKHAPATNAM SPL. ECO. ZONE, VISHAKHAPATNAM branch in VISHAKAPATNAM. The 11-digit IFSC SBIN0004346 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 VISHAKHAPATNAM SPL. ECO. ZONE, VISHAKHAPATNAM 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, SBIN0004346 is the IFSC of State Bank of India's VISHAKHAPATNAM SPL. ECO. ZONE, VISHAKHAPATNAM branch. The format is fixed: SBIN = bank code, 0 = reserved, 004346 = 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 Vishakhapatnam Spl. Eco. Zone, Vishakhapatnam branch — IFSC SBIN0004346 — extends the bank's services to customers in and around Vishakapatnam, Andhra Pradesh.

About this branch

The branch is located at SPECIAL ECONOMIC ZONE,DUVVADA ,VISHAKAPATNAM ,PIN - 530046. It serves the Vishakapatnam 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 SBIN0004346 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 VISHAKHAPATNAM SPL. ECO. ZONE, VISHAKHAPATNAM of State Bank of India — its own 11-character IFSC. The code SBIN0004346 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 SBIN0004346 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 SBIN0004346

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 SBIN0004346 across all three.

How to use IFSC SBIN0004346 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's VISHAKHAPATNAM SPL. ECO. ZONE, VISHAKHAPATNAM 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 SBIN0004346.
4. Confirm the bank name auto-populates as State Bank of India and the branch as VISHAKHAPATNAM SPL. ECO. ZONE, VISHAKHAPATNAM.
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 VISHAKHAPATNAM SPL. ECO. ZONE, VISHAKHAPATNAM

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's VISHAKHAPATNAM SPL. ECO. ZONE, VISHAKHAPATNAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0004346 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to State Bank of India – VISHAKHAPATNAM SPL. ECO. ZONE, VISHAKHAPATNAM, use IMPS. With IFSC SBIN0004346 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 Vishakhapatnam Spl. Eco. Zone, Vishakhapatnam

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 SBIN0004346:

• 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 VISHAKHAPATNAM SPL. ECO. ZONE, VISHAKHAPATNAM is still linked to IFSC SBIN0004346.

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 VISHAKHAPATNAM SPL. ECO. ZONE, VISHAKHAPATNAM branch, the IFSC SBIN0004346 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.

Account types you can open at the Vishakhapatnam Spl. Eco. Zone, Vishakhapatnam branch

Once you have an account at State Bank of India – VISHAKHAPATNAM SPL. ECO. ZONE, VISHAKHAPATNAM, the IFSC SBIN0004346 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.

Banking services available

The Vishakhapatnam Spl. Eco. Zone, Vishakhapatnam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• 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 SBIN0004346

MICR & cheque-truncation details

Cheques drawn on the Vishakhapatnam Spl. Eco. Zone, Vishakhapatnam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0004346 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Vishakhapatnam Spl. Eco. Zone, Vishakhapatnam 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 SBIN0004346 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.

Common mistakes to avoid when using IFSC SBIN0004346

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 – VISHAKHAPATNAM SPL. ECO. ZONE, VISHAKHAPATNAM, 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: SBIN0004346.
• 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 Vishakhapatnam Spl. Eco. Zone, Vishakhapatnam branch

The branch is located at SPECIAL ECONOMIC ZONE,DUVVADA ,VISHAKAPATNAM ,PIN - 530046, which puts it inside Vishakapatnam, the broader Vishakapatnam 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 Vishakhapatnam Spl. Eco. Zone, Vishakhapatnam branch” — the verified location pin for IFSC SBIN0004346 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 SBIN0004346 and your account number.

Verifying IFSC SBIN0004346 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 SBIN0004346 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 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 Vishakhapatnam Spl. Eco. Zone, Vishakhapatnam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0004346, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: SBIN0004346 is the IFSC code of State Bank of India, VISHAKHAPATNAM SPL. ECO. ZONE, VISHAKHAPATNAM branch, in VISHAKAPATNAM, 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.