State Bank of India
NASWADI BRANCH
+912661272574
Understanding IFSC Code: The Digital DNA of State Bank of India
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the NASWADI
branch of State Bank of India, the code SBIN0013020 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the SBIN0013020 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"SBIN" represents State Bank of India
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for NASWADI
Payment Systems Supported by SBIN0013020
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—391002504—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The State Bank of India in NASWADI typically follows the RBI holiday calendar. Digital transfers via SBIN0013020 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While SBIN0013020 is the valid code for NASWADI at NASWADI, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
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Branch Context
- • NASWADI Contact
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Platform Links
- • Anand Design DevBox
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