IFSC Code of State Bank Of India, Oad Lho Bhubaneswar, Bhubaneswar, Odisha- SBIN0003980

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. No matter, if you are sending money through NEFT, RTGS, or IMPS, the bank requires you to enter the correct IFSC Code so that your payment goes to the right branch. And if you are searching for the IFSC Code of State Bank Of India for its Oad Lho Bhubaneswar branch in Khurda, Bhubaneswar, Odisha, then this guide will give you detailed information.

The banking system has evolved significantly in India, and today the customers of State Bank Of India located in Khurda or anywhere in Odisha can transfer funds instantly by using the correct IFSC Code SBIN0003980. 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, Oad Lho Bhubaneswar, Khurda

Here are some of the key details that come with the IFSC Code SBIN0003980 of State Bank Of India for its branch located in Khurda, within the district of Bhubaneswar in the state of Odisha.

These details help users in online banking and for businesses and individuals who use State Bank Of India in Khurda for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code SBIN0003980 for the Oad Lho Bhubaneswar branch of State Bank Of India has a very important role.

What Is IFSC Code and Why Is It Important?

IFSC stands for Indian Financial System Code, which is an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, including State Bank Of India located in Oad Lho Bhubaneswar, Khurda, Odisha, is provided a unique IFSC like SBIN0003980 so that their online payments reach the right place.

The IFSC Code is important because:

• It uniquely recognizes the State Bank Of India branch in Khurda.
• Helps NEFT, RTGS, and IMPS systems route the transfer securely.
• It avoids any confusions between multiple branches of the same bank across different places like Khurda and Bhubaneswar.
• It reduces most of the errors in fund transfers and makes sure its accuracy.
• It enables sender banks to validate and confirm branch details before processing payments.

For thousands of branches across Odisha and the rest of India, the IFSC Code ensures that transactions meant for State Bank Of India in Oad Lho Bhubaneswar do not get misguided to another person.

Format of the IFSC Code SBIN0003980

The format of the IFSC Code for banks, including State Bank Of India, has 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 Oad Lho Bhubaneswar in Khurda.

For example, the IFSC Code SBIN0003980 of State Bank Of India for the Oad Lho Bhubaneswar branch includes these elements, identifying the bank and the branch location in Khurda and Odisha correctly.

How to Find IFSC Code for State Bank Of India?

To find the IFSC Code SBIN0003980 of State Bank Of India for its Oad Lho Bhubaneswar branch located in Khurda, 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 Khurda and Bhubaneswar, 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 Oad Lho Bhubaneswar or Khurda to find the exact IFSC Code SBIN0003980.

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 Khurda will provide accurate information.

How to Use IFSC Code SBIN0003980 for Online Transfers?

If you have the IFSC Code SBIN0003980 for the Oad Lho Bhubaneswar branch of State Bank Of India in Khurda, you can easily go ahead with fund transfers using any digital method:

NEFT

Add beneficiary details including the name, account number, and IFSC Code SBIN0003980. Transfers are processed in batches. Suitable for 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. Asks for the recipient's account details and State Bank Of India IFSC Code SBIN0003980.

Whatever method you choose, the accuracy of the IFSC Code is important and needed. In case there is any mistake in entering the IFSC Code for State Bank Of India Oad Lho Bhubaneswar in Khurda, it may result in delayed or failed transactions.

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 Oad Lho Bhubaneswar, here are some ways to obtain 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.

Having both the IFSC and MICR codes makes it easy for account holders in Khurda to handle online money transfers and get their cheques cleared smoothly.