The SBI IFSC Code is essential for anyone using online banking services in India. Whether you’re transferring money through NEFT, RTGS, or IMPS, the SBI bank IFSC code ensures your funds reach the right destination safely and swiftly. In this article, we’ll explore everything you need to know about the SBI ka IFSC code, how to find it, where to use it, and answer the most commonly searched questions about it.
Table of Contents
What is the SBI IFSC Code?
IFSC (Indian Financial System Code) is a unique 11-character alphanumeric code used to identify bank branches in India. The SBI IFSC Code is assigned to each branch of the State Bank of India (SBI) for digital transactions.
Example of an SBI IFSC Code: SBIN0000123
- SBIN – The first four characters represent the bank (SBI).
- 0 – The fifth character is always zero.
- 000123 – The last six characters represent the specific SBI branch.
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Why is the SBI Bank IFSC Code Important?
The SBI bank IFSC code is used during:
- NEFT (National Electronic Funds Transfer)
- RTGS (Real-Time Gross Settlement)
- IMPS (Immediate Payment Service)
- Online bill payments
- UPI transactions in some cases (indirectly)
Without the correct IFSC code, your online transaction could be delayed, rejected, or even sent to the wrong recipient.
How to Find the IFSC Code of SBI
Here are the most common and reliable ways to find your SBI IFSC code:
1. Check Your SBI Cheque Book or Passbook
- Every cheque leaf and passbook contains the SBI bank ka IFSC code printed on it.
- It’s usually found along with the branch address and MICR code.
2. Use SBI’s Official Website
- Go to www.onlinesbi.sbi
- Navigate to “Branch Locator”
- Enter the required branch details to get the IFSC code
3. Through RBI Website
- Visit rbi.org.in
- Use the IFSC/MICR Code search tool
- Enter “State Bank of India” and other branch details
4. Using Mobile Banking or YONO SBI App
- Login to the YONO app
- Go to account info or transaction page
- The IFSC code will be displayed alongside your account details
5. Third-party IFSC Code Finder Tools
Many websites offer IFSC code search by entering the bank name, state, district, and branch.
Some reliable ones include:
Example IFSC Codes of Popular SBI Branches
| Branch Location | Branch Code | IFSC Code |
| SBI Mumbai Main | 000030 | SBIN0000030 |
| SBI New Delhi | 000069 | SBIN0000069 |
| SBI Kolkata | 000171 | SBIN0000171 |
| SBI Chennai | 000041 | SBIN0000041 |
| SBI Hyderabad | 000082 | SBIN0000082 |
You can find your own SBI bank ka IFSC code using your branch name.
What is a MICR Code?
The MICR Code is found on cheques and helps in the faster processing of cheque payments. It uses magnetic ink and is readable by specialized machines, speeding up clearing times.
Example:
Example: 400002014
- First 3 digits (400): City code (e.g., 400 = Mumbai).
- Middle 3 digits (002): Bank code.
- Last 3 digits (014): Branch code.
SBI IFSC Code vs MICR Code – What’s the Difference?
While both IFSC code and MICR code are used in banking, they serve very different purposes. Understanding their roles can help you use the right one when needed.
| Feature | IFSC Code | MICR Code |
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition Code |
| Purpose | For online fund transfers (NEFT, RTGS, IMPS) | For cheque processing and clearance |
| Used In | Online banking transactions | Physical cheque transactions |
| Format | 11-character alphanumeric | 9-digit numeric |
| Example | SBIN0000456 | 400002067 |
| Who Assigns It | Reserve Bank of India (RBI) | Reserve Bank of India (RBI) |
| Branch Specific | Yes | Yes |
Frequently Asked Questions (FAQs)
Can One Branch Have Multiple IFSC Codes?
No, one SBI branch can have only one IFSC code. However, if the branch is merged or relocated, its IFSC code might be updated. Always verify the latest IFSC before making any transaction.
SBI ka IFSC code kya hota hai?
SBI ka IFSC code ek unique code hota hai jo har SBI branch ko diya jata hai, jisse online fund transfer safe aur accurate hota hai.
How can I find my SBI IFSC code by account number?
You can:
Check your SBI passbook or cheque book
Login to SBI Net Banking or YONO app
Contact SBI customer care or visit the nearest branch
What is the SBI bank IFSC code for a specific branch?
Visit SBI’s branch locator or use any IFSC code finder tool. You’ll need to know the state, district, and branch name
Can I use the same IFSC code for UPI or mobile transactions?
Yes, in most backend processes, UPI also uses IFSC and account number, though typically hidden from the user.
How to verify if an SBI IFSC code is correct or valid?
You can verify it through:
RBI’s official IFSC code directory
SBI’s website
Trusted third-party tools
What happens if I enter the wrong IFSC code while transferring money?
If the account number is invalid: the transaction fails.
If account number is valid but IFSC is wrong: money may go to the wrong account. Always double-check both account number and IFSC code.
SBI bank ka IFSC code kaha likha hota hai?
Passbook, cheque book, and online banking apps mein IFSC code diya hota hai.
What is the difference between SBI IFSC and MICR code?
IFSC is for electronic transfers, while MICR is used for check processing.
