SBI IFSC code

Trust the sources SBI prints or publishes itself. A code a sender remembers from an earlier transfer deserves a second look, because SBI has renumbered branches more than once — most heavily after absorbing its five associate banks in 2017.

1. 1

   Check your passbook, statement or chequebook

   The Reserve Bank of India notes that a branch’s IFSC sits on the cheque leaf beside its MICR code, and in April 2012 it directed banks to carry both in the passbook and statement of account too.

2. 2

   Use SBI’s own branch locator

   The locator on sbi.bank.in searches by state, district, circle, branch name, branch code, PIN code or IFSC.

3. 3

   Search the branch table on this page

   Every SBI branch in the RBI dataset has a page here with its IFSC, MICR code and address.

The layout is fixed by the Reserve Bank of India and identical across every Indian bank. SBIN0000001 — the Kolkata Main branch at Samriddhi Bhawan on Strand Road — splits exactly the way every other SBI code does.

SBIN

Bank identifier for State Bank of India — never changes

0

Reserved by the RBI, always zero

000001

Branch identifier — unique to one branch

Because the fifth position is always zero, a code with a digit there is malformed. In an ordinary SBI branch code the last six characters are a leading zero followed by five digits, and 26,449 of SBI’s 26,471 codes take exactly that shape.

State Bank of Bikaner and Jaipur, Hyderabad, Mysore, Patiala and Travancore all began operating as SBI branches on 1 April 2017, alongside Bharatiya Mahila Bank, and their codes were reissued under the SBIN0 prefix. Later that year SBI listed roughly 1,300 further branches, mostly in the metros, whose names and IFSC codes changed again during rationalisation.

• Ask the account holder for the code on a current passbook or account statement — that is the live one.
• SBI still hosts the e-SBT, e-SBBJ, e-SBH and e-SBP IFSC mapping files on its Merger of Associate Banks page.
• If a code that used to work has started failing, an old associate-bank branch is the first thing to rule out.

India’s domestic account-to-account rails address the beneficiary by account number plus branch IFSC. Which rail your payment takes is decided by the amount and by how quickly it has to land.

SBI’s corporate FAQ states that an RTGS which cannot be credited is returned to the remitting bank within two hours, and a failed NEFT within two hours of its batch. IMPS is the exception: SBI’s own IMPS FAQ says the service can be addressed with the beneficiary’s mobile number and MMID instead of an account number and IFSC.

An IFSC moves money between branches inside India; it does not cross a border. A wire from overseas is routed by SWIFT/BIC first, and SBI’s eight-character BIC is SBININBB in Mumbai — but which code the sender should quote depends on the size of the transfer.

Alongside it, SBI asks for the beneficiary’s eleven-digit account number with a non-zero first digit, their name and address, the SBI branch code or IFSC, and the purpose of the remittance. As published in August 2026, SBI levies ₹50 in India for handling an inward remittance; the sending bank’s fee and exchange-rate margin are separate.

India took in an estimated $129 billion in remittances in 2024, more than any other country. Whichever service carries the money and whatever it charges, the SWIFT code decides which bank receives it and the IFSC decides which SBI branch is finally credited — so both belong on the transfer instruction.