Digital banking and online financial transactions in India uses one essential element that ensures you have a seamless and accurate fund transfers, it is the IFSC Code. Banks need the correct IFSC Code for NEFT, RTGS, or IMPS transfers to reach the right branch. If you are looking for the IFSC Code of State Bank Of India for its Gemur branch in Ganjam, Gemur, or Himachalpradesh, this guide will help you with all the details.
There have been major changes in the banking sector in India and today, the customers of State Bank Of India located in Ganjam or anywhere in Himachalpradesh can transfer funds instantly by using the correct IFSC Code SBIN0008853. You should definitely know how the IFSC Code works and how it helps you stay informed and avoid transfer errors.
Details of IFSC Code for State Bank Of India, Gemur, Ganjam
The table below shows the main details of the IFSC Code SBIN0008853 for the State Bank Of India branch in Ganjam, which falls under the Gemur district in Himachalpradesh.
| Particulars | Details |
|---|---|
| Bank | State Bank Of India |
| IFSC Code | SBIN0008853 |
| Branch | Gemur |
| City | Ganjam |
| District | Gemur |
| State | Himachalpradesh |
| Address | Distlahul And Spiti Himachal Pradesh 175132 |
These details helps users in online banking and for businesses and individuals who use State Bank Of India in Ganjam for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code SBIN0008853 for the Gemur branch of State Bank Of India plays a vital 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 Gemur, Ganjam, Himachalpradesh, are allotted a unique IFSC like SBIN0008853 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Ganjam.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Ganjam and Gemur.
- 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 Gemur reaches the right place, even though there are thousands of branches in Himachalpradesh and across India.
Format of the IFSC Code SBIN0008853
The format of the IFSC Code for banks, including State Bank Of India, follows an 11-character structure:
AAAA0CCCCCC
Here's the breakdown:
- First 4 characters (AAAA): Show the bank code. For State Bank Of India, these letters represent the bank's short name.
- 5th character: Is always zero and is kept for future use.
- Last 6 characters (CCCCCC): Represent the specific branch code assigned to branches such as Gemur in Ganjam.
For example, the IFSC Code SBIN0008853 of State Bank Of India for the Gemur branch includes these elements, identifying the bank and the branch location in Ganjam and Himachalpradesh accurately.
How to Find IFSC Code for State Bank Of India?
If you are trying to find the IFSC Code SBIN0008853 of State Bank Of India for its Gemur branch located in Ganjam, the following methods can help:
Cheque Book
The cheque books that are issued by State Bank Of India include the IFSC Code which is printed on each cheque and you can easily spot the code on the top section.
Passbook
Most banks, including State Bank Of India branches in Ganjam and Gemur, 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 find the branch locator section. Search for Gemur or Ganjam to get the exact IFSC Code SBIN0008853.
Mobile Banking App
If you use State Bank Of India's mobile app, you can easily 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 to help you in searching for State Bank Of India and Ganjam that will provide accurate information.
How to Use IFSC Code SBIN0008853 for Online Transfers?
Once you have the IFSC Code SBIN0008853 for the Gemur branch of State Bank Of India in Ganjam, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code SBIN0008853. The transfer is completed in batches instead of instantly. It is useful for both personal and business payments.
RTGS
Used for high-value payments above ₹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 SBIN0008853.
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 Gemur in Ganjam, your payment can get delayed or might not go through at all.
Finding the MICR Code
MICR codes are used for cheque clearance and differ from IFSC codes. If you are looking for the MICR code of State Bank Of India in Gemur, here are some ways that 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.
If you know both IFSC and MICR codes, then it can help account holders in Ganjam manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code of the Gemur Ganjam branch is SBIN0008853.
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 Distlahul And Spiti Himachal Pradesh 175132.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.