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 Kafota branch in Sirmour, Kafota, Himachal Pradesh, 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 Sirmour or anywhere in Himachal Pradesh can transfer funds instantly by using the correct IFSC Code SBIN0007459. 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, Kafota, Sirmour
Below in the table are the key details related to IFSC Code SBIN0007459 of State Bank Of India for its branch located in Sirmour, within the district of Kafota in the state of Himachal Pradesh.
| Particulars | Details |
|---|---|
| Bank | State Bank Of India |
| IFSC Code | SBIN0007459 |
| Branch | Kafota |
| City | Sirmour |
| District | Kafota |
| State | Himachal Pradesh |
| Address | Dist Sirmaur, H P 173029 |
These details helps users in online banking and for businesses and individuals who use State Bank Of India in Sirmour for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code SBIN0007459 for the Kafota 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 Kafota, Sirmour, Himachal Pradesh, are allotted a unique IFSC like SBIN0007459 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Sirmour.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Sirmour and Kafota.
- 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 Kafota reaches the right place, even though there are thousands of branches in Himachal Pradesh and across India.
Format of the IFSC Code SBIN0007459
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 Kafota in Sirmour.
For example, the IFSC Code SBIN0007459 of State Bank Of India for the Kafota branch includes these elements, identifying the bank and the branch location in Sirmour and Himachal Pradesh correctly.
How to Find IFSC Code for State Bank Of India?
If you are looking for the IFSC Code SBIN0007459 of State Bank Of India for its Kafota branch located in Sirmour, the following methods can help:
Cheque Book
The cheque book that is issued by State Bank Of India includes the IFSC Code printed on each cheque leaf. You can easily spot the code at the top section.
Passbook
Most of the banks, including State Bank Of India branches in Sirmour and Kafota, print the IFSC and MICR codes on the first page of the passbook.
Bank Website
You can visit the official website of State Bank Of India and look for the branch locator section, then search for Kafota or Sirmour to get the exact IFSC Code SBIN0007459.
Mobile Banking App
If you use State Bank Of India's mobile app, you can check your account details to easily find your branch's IFSC code.
RBI Website
The Reserve Bank of India has an updated database of all IFSC codes and if you are searching for State Bank Of India and Sirmour, then it will provide you proper information.
How to Use IFSC Code SBIN0007459 for Online Transfers?
Once you have the IFSC Code SBIN0007459 for the Kafota branch of State Bank Of India in Sirmour, you can initiate your fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code SBIN0007459. Transfers are processed in batches. This is 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. Requires the recipient's account details and State Bank Of India IFSC Code SBIN0007459.
Regardless of the method you choose, the accuracy of the IFSC Code is crucial. Any mistake in entering the IFSC Code for State Bank Of India Kafota in Sirmour may result in delayed or failed transactions.
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 Kafota, 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 Sirmour manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code is SBIN0007459.
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 Dist Sirmaur, H P 173029 located in Sirmour, Kafota, Himachal Pradesh.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.