State Bank of India — NAUGARH

VARANASI, UTTAR PRADESH

IFSC Code

SBIN0003655

MICR Code

232002008

Branch

NAUGARH

Bank

State Bank of India

District

CHANDAULI

State

UTTAR PRADESH

Contact

Not available

Address

DIST CHANDAULI, U P 272203

Get Directions to This Branch

Using IFSC SBIN0003655 for money transfers

NEFT transfers to NAUGARH, one of State Bank of India's branches in CHANDAULI, are batch-processed rather than instant. Most transfers clear within 30 minutes to a couple of hours during banking hours, and NEFT now runs 24x7 on all days including weekends.

RTGS (Real Time Gross Settlement) is built for high-value transfers — ₹2 lakh and above — and settles individually rather than in batches, so money reaches NAUGARH almost immediately once processed, rather than waiting for the next settlement window.

IMPS is built for urgency: transfers to NAUGARH clear in seconds rather than minutes or hours, and it works around the clock — useful outside NEFT/RTGS's usual processing windows.

NEFT & RTGS Timing — System Hours vs. Branch Hours

A distinction that matters if you're transferring to NAUGARH: the RBI settlement system runs 24x7 for NEFT and RTGS, but that doesn't mean this specific branch is open around the clock. Online transfers process any time; in-person or cash-based requests still depend on the branch actually being open.

MethodSystem HoursIf Visiting NAUGARH In Person
NEFT24x7x365, including weekends and holidays (RBI mandate since 16 Dec 2019)Online/net-banking NEFT processes any time. An in-branch, cash, or cheque-based NEFT request still depends on that branch's working hours.
RTGS24x7x365, including weekends and holidays (RBI mandate since 14 Dec 2020)Minimum transfer amount is ₹2 lakh. Same system-vs-branch-hours distinction as NEFT applies for in-person requests.
IMPS24x7x365 — always has been, no banking-hours restriction at the system level.Typically capped per transaction depending on your bank's own limits (often around ₹5 lakh).

Sending funds to this State Bank of India branch takes just a few steps:

  1. Log in to your bank's net banking portal or mobile banking app.
  2. Add a new beneficiary/payee, entering the recipient's full name and account number.
  3. Enter the IFSC code SBIN0003655 when prompted — this routes the transfer to NAUGARH specifically.
  4. Most banks require a short cooling-off period (often a few hours) after adding a new beneficiary before the first transfer.
  5. Once the beneficiary is active, choose NEFT, RTGS, or IMPS based on the amount and how quickly you need it to arrive.
  6. Enter the amount, review the details (name, account number, IFSC), and confirm with your OTP/PIN.

Frequently asked questions

What is the IFSC code of the State Bank of India NAUGARH branch?

The IFSC code for State Bank of India's NAUGARH branch in VARANASI, CHANDAULI, UTTAR PRADESH is SBIN0003655. This 11-character code is required for NEFT, RTGS, and IMPS transfers to any account held at this branch.

What is the MICR code of this branch?

The MICR code for this branch is 232002008. MICR codes are used for cheque clearing, while the IFSC code (SBIN0003655) is what's needed for electronic transfers like NEFT and RTGS.

Where is the NAUGARH branch of State Bank of India located?

This branch is located at: DIST CHANDAULI, U P 272203. It falls under CHANDAULI district, UTTAR PRADESH.

Can I use this IFSC code for both NEFT and RTGS transfers?

Yes — the same IFSC code (SBIN0003655) is used for NEFT, RTGS, and IMPS transfers to this branch. Which one you should pick depends on the amount and urgency, not the code itself: RTGS for ₹2 lakh+ needing near-instant settlement, NEFT for regular batch-processed transfers, and IMPS for smaller amounts that need to land in seconds.

Is there a phone number for this branch?

A direct contact number isn't listed for this branch in our records. Your best options are State Bank of India's national customer care line or the nearest branch locator on the bank's official website.

Other State Bank of India branches in CHANDAULI

A D B CHAKIABABURICHAKIACHANDAULICHANDAULI FIMM DSHCHANDAULI RACC FIMMCHANDAULI RACC R AND DBDHANAPUR

State Bank of India in other districts of UTTAR PRADESH

LUCKNOW (153)KANPUR (132)VARANASI (81)GORAKHPUR (80)AGRA (79)ALLAHABAD (74)BAREILLY (61)MEERUT (60)

IFSC and MICR code data sourced from bank-published branch records. While we take care to keep this current, always confirm the IFSC code with your bank before making a large transfer — see our disclaimer for details.