State Bank Of India Zirad Sab IFSC Code — SBIN0005431
Raigad, Maharashtra • PIN 402201
IFSC
SBIN0005431
MICR
402002914
Branch code
005431
PIN
402201
The IFSC code for State Bank Of India, Zirad Sab branch in Raigad, Maharashtra is SBIN0005431. Use this code as the beneficiary IFSC when sending money to any account held at this branch via NEFT, RTGS, IMPS, or NACH. The MICR code 402002914 is used for cheque clearing and NACH mandate setup. The branch is located at TAL-ALIBAG DISTT RAIGAD MAHARASHTRA.
Transfer rails supported at this branch
| Rail | Settlement | Limit | Use IFSC? |
|---|---|---|---|
| NEFT | 30-min batches, 24×7 | None | SBIN0005431 |
| RTGS | Real-time | ≥ ₹2 lakh | SBIN0005431 |
| IMPS | Instant, 24×7 | ₹5 lakh/txn | SBIN0005431 |
| NACH | 2-3 business days | Mandate-based | SBIN0005431 + MICR |
| UPI | Instant | ₹1 lakh/day | Not needed (handle-based) |
Next steps
- Understand hidden NEFT / IMPS / RTGS fees → Hidden ATM, IMPS, NEFT & RTGS bank fees exposed
- UPI vs IMPS — which is faster and cheaper? → UPI transaction limits 2026 (every category exception)
- Opening a new account? → Best savings account interest rates — SFB vs big banks
- Worried your deposit is safe? → DICGC deposit insurance — is your money safe?
- More State Bank Of India branches → All State Bank Of India IFSC codes
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Frequently asked questions
What is the IFSC code for State Bank Of India, Zirad Sab?
The IFSC code for State Bank Of India, Zirad Sab branch in Raigad, Maharashtra is SBIN0005431. Use this 11-character code for NEFT, RTGS, and IMPS transfers to any account at this branch.
What is the MICR code for this branch?
The MICR code for State Bank Of India, Zirad Sab is 402002914. MICR codes are printed on the bottom of cheque leaves and are required for NACH auto-debit mandate setup.
Is this branch on NEFT, RTGS, IMPS, and UPI?
Yes. State Bank Of India supports NEFT, RTGS, and IMPS at all branches including Zirad Sab. UPI works at the customer level (linked to your account), not the branch level.
Where is State Bank Of India, Zirad Sab located?
State Bank Of India, Zirad Sab is located at: TAL-ALIBAG DISTT RAIGAD MAHARASHTRA. PIN code: 402201.
How do I transfer money to State Bank Of India, Zirad Sab?
Open your bank's net banking or UPI app, choose NEFT/RTGS/IMPS as the transfer mode, enter the beneficiary account number, the IFSC code SBIN0005431, and the recipient's name as on bank records. Funds typically settle within 30 minutes for NEFT/IMPS and instantly for RTGS (above ₹2 lakh).
What is the difference between NEFT, RTGS, and IMPS?
NEFT settles in 30-minute batches 24×7. RTGS is real-time but only for transfers ≥ ₹2 lakh. IMPS is instant, 24×7, with per-transaction limits varying by bank (typically ₹5 lakh). All three need the same IFSC code: SBIN0005431.
Can I receive international wire transfers at this branch?
Only if the branch is also SWIFT-enabled. State Bank Of India has a separate SWIFT code (BIC) used by its international correspondent banks. Confirm whether Zirad Sab accepts inbound USD/EUR/GBP wires before sharing the IFSC with an overseas sender.
How do I set up a NACH auto-debit mandate using this IFSC?
Provide the IFSC SBIN0005431, MICR 402002914, your account number, and a cancelled cheque image to the requesting party (SIP, EMI, insurance, or SaaS subscription). The mandate clears in 2-3 business days after submission.
Is the IFSC code the same as the branch code?
No. The last 6 characters of an IFSC (here: 005431) are the branch identifier within the bank, but the IFSC itself is the only code banks use for inter-bank transfers. The first 4 characters (SBIN) identify State Bank Of India.
What if the IFSC code on this page is wrong?
This data is sourced from the RBI public IFSC dataset, refreshed monthly. If you spot an error, report it via the feedback link in the site footer — we cross-check against the bank's net banking portal and update within 48 hours.
Source: RBI public IFSC dataset, last refreshed 2026-06-08. Always cross-check the IFSC on your bank's net banking portal or passbook before high-value transfers. HonestMoney.in is not affiliated with State Bank Of India or the Reserve Bank of India.