For digital banking and online financial transactions in India, one essential element that makes sure of a seamless and accurate fund transfers is the IFSC Code. If you are sending money through NEFT, RTGS, or IMPS, the bank asks you to enter the correct IFSC Code to route your payment to the right branch. And so, in case you are searching for the IFSC Code of State Bank Of India for its Kum, Bikaner branch in Bikaner, Bikaner, Rajasthan, this comprehensive guide will provide you with detailed information.
The banking system in India has changed significantly over the years, and today customers of State Bank Of India located in Bikaner or anywhere in Rajasthan can transfer funds instantly by using the correct IFSC Code SBIN0031590. Knowing how the IFSC Code works can help you stay informed and avoid transfer errors.
Details of IFSC Code for State Bank Of India, Kum, Bikaner, Bikaner
Below in the table are the key details related to IFSC Code SBIN0031590 of State Bank Of India for its branch located in Bikaner, within the district of Bikaner in the state of Rajasthan.
| Particulars | Details |
|---|---|
| Bank | State Bank Of India |
| IFSC Code | SBIN0031590 |
| Branch | Kum, Bikaner |
| City | Bikaner |
| District | Bikaner |
| State | Rajasthan |
| Address | Bikaner 334001 |
These details are crucial, not just for online banking users but also for businesses and individuals who use State Bank Of India in Bikaner for recurring financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code SBIN0031590 for the Kum, Bikaner branch of State Bank Of India has an important role.
What Is IFSC Code and Why Is It Important?
IFSC stands for Indian Financial System Code, an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, along with State Bank Of India located in Kum, Bikaner, Bikaner, Rajasthan, are allotted a unique IFSC like SBIN0031590 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Bikaner.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Bikaner and Bikaner.
- It reduces errors in fund transfers and improves accuracy.
- It helps the sender banks to validate and confirm branch details before processing payments.
It makes sure that money sent to State Bank Of India in Kum, Bikaner reaches the right place, even though there are thousands of branches in Rajasthan and across India.
Format of the IFSC Code SBIN0031590
This is the format of the IFSC Code for banks, including State Bank Of India, follows an 11-character structure:
AAAA0CCCCCC
Here's the explanation:
- First 4 characters (AAAA): This is the bank code. For State Bank Of India, these characters are the bank's short identifier.
- 5th character (0): This stays zero till there is any future use.
- Last 6 characters (CCCCCC): These are specific branch code assigned to branches such as Kum, Bikaner in Bikaner.
For example, the IFSC Code SBIN0031590 of State Bank Of India for the Kum, Bikaner branch includes these elements, identifying the bank and the branch location in Bikaner and Rajasthan accurately.
How to Find IFSC Code for State Bank Of India?
To find the IFSC Code SBIN0031590 of State Bank Of India for its Kum, Bikaner branch located in Bikaner, the following methods can help you out:
Cheque Book
The cheque book issued by State Bank Of India includes the IFSC Code printed on each cheque leaf. You can easily spot the code on the top section.
Passbook
Most banks, including State Bank Of India branches in Bikaner and Bikaner, print the IFSC and MICR codes on the first page of the passbook.
Bank Website
Visit the official website of State Bank Of India and go to the branch locator section. Then search for Kum, Bikaner or Bikaner to find the exact IFSC Code SBIN0031590.
Mobile Banking App
If you use State Bank Of India's mobile app, you can check your account details to find your branch's IFSC code.
RBI Website
The Reserve Bank of India maintains an updated database of all IFSC codes. Searching for State Bank Of India and Bikaner will provide accurate information.
How to Use IFSC Code SBIN0031590 for Online Transfers?
Once you have the IFSC Code SBIN0031590 for the Kum, Bikaner branch of State Bank Of India in Bikaner, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code SBIN0031590. The transfer is completed in batches. It is useful for both personal and business payments.
RTGS
Used for payments over ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.
IMPS
Instant 24×7 transfers. Requires the recipient's account details and State Bank Of India IFSC Code SBIN0031590.
No matter which payment method you use, the IFSC Code must be correct. If you enter the wrong IFSC Code for the State Bank Of India Kum, Bikaner in Bikaner, your payment can get delayed or might not go through at all.
Finding the MICR Code
MICR codes are used for cheque clearance and are very different from IFSC codes. If you are looking for the MICR code of State Bank Of India in Kum, Bikaner, here are some of the ways you can get it:
- Check the bottom of your cheque leaf.
- Refer to the first page of your passbook.
- Visit the official State Bank Of India website.
- Search the RBI portal.
Knowing both IFSC and MICR code can help account holders in Bikaner manage their online transfers and cheque clearances easily.
Frequently Asked Questions (FAQs)
The IFSC Code of the Kum, Bikaner Bikaner branch is SBIN0031590.
Yes, the IFSC Code remains the same unless the bank undergoes a merger or restructuring.
No. IFSC is used for online fund transfers, while MICR is used for cheque processing and clearance.
You can find it on cheque books, passbooks, bank websites, mobile banking apps, and the RBI website.
The branch is located at Bikaner 334001.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.