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 Kurkihar branch in Gaya, Kurkihar, or Bihar, 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 Gaya or anywhere in Bihar can transfer funds instantly by using the correct IFSC Code SBIN0008312. 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, Kurkihar, Gaya
Below in the table are the key details related to IFSC Code SBIN0008312 of State Bank Of India for its branch located in Gaya, within the district of Kurkihar in the state of Bihar.
| Particulars | Details |
|---|---|
| Bank | State Bank Of India |
| IFSC Code | SBIN0008312 |
| Branch | Kurkihar |
| City | Gaya |
| District | Kurkihar |
| State | Bihar |
| Address | Viawazirganj,Dt Gaya Bihar |
These details helps users in online banking and for businesses and individuals who use State Bank Of India in Gaya for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code SBIN0008312 for the Kurkihar 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 Kurkihar, Gaya, Bihar, are allotted a unique IFSC like SBIN0008312 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Gaya.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Gaya and Kurkihar.
- 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 Kurkihar reaches the right place, even though there are thousands of branches in Bihar and across India.
Format of the IFSC Code SBIN0008312
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): These represent the bank code. In State Bank Of India, they are a short identifier for the bank.
- 5th character (0): This is always zero and is reserved for future use.
- Last 6 characters (CCCCCC): These are what represent the specific branch code which is assigned to branches like Kurkihar in Gaya.
For example, the IFSC Code SBIN0008312 of State Bank Of India for the Kurkihar branch has these elements, identifying the bank and the branch location in Gaya and Bihar correctly.
How to Find IFSC Code for State Bank Of India?
If you are trying to find the IFSC Code SBIN0008312 of State Bank Of India for its Kurkihar branch located in Gaya, 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 Gaya and Kurkihar, 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 Kurkihar or Gaya to get the exact IFSC Code SBIN0008312.
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 Gaya that will provide accurate information.
How to Use IFSC Code SBIN0008312 for Online Transfers?
Once you have the IFSC Code SBIN0008312 for the Kurkihar branch of State Bank Of India in Gaya, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code SBIN0008312. 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 SBIN0008312.
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 Kurkihar in Gaya, your payment can get delayed or might not go through at all.
Finding the MICR Code
MICR codes are used for check clearances and are not the same as IFSC codes. If you are searching for the MICR code of State Bank Of India in Kurkihar, you can find it by any of the following ways:
- Check the bottom of your cheque leaf.
- Go to the first page of your passbook.
- Visit the official State Bank Of India website.
- Search the RBI portal.
Having both IFSC and MICR codes helps account holders in Gaya manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code is SBIN0008312.
Yes, but it can change if the bank merges or goes through restructuring.
No. MICR is for cheque clearing; IFSC is for online transfers.
You can find it on cheque books, passbooks, the bank's website, mobile app, or the RBI portal.
The address of the branch is Viawazirganj,Dt Gaya Bihar located in Gaya, Kurkihar, Bihar.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.