IFSC Code of Rajasthan Gramin Bank, Siwana Branch, Rajasthan

Use this page as a one-stop reference for everything related to Rajasthan Gramin Bank's SIWANA branch in SIWANA, RAJASTHAN. The branch's IFSC code RMGB0000278 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Rajasthan Gramin Bank – SIWANA is RMGB0000278. The first four letters RMGB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000278 map to this branch in SIWANA, RAJASTHAN.

Bank profile

Rajasthan Gramin Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Siwana branch — IFSC RMGB0000278 — extends the bank's services to customers in and around Siwana, Rajasthan.

Branch details at a glance

About the Siwana branch

The Siwana branch of Rajasthan Gramin Bank is situated at BALOTRA ROAD,SIWANA. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code RMGB0000278 is used.

Why every Rajasthan Gramin Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including SIWANA of Rajasthan Gramin Bank — its own 11-character IFSC. The code RMGB0000278 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC RMGB0000278 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Siwana branch is mapped to IFSC RMGB0000278 on the RBI payments network. The branch generally supports the full retail product catalogue of Rajasthan Gramin Bank, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains RMGB0000278.

Products and services

Customers walking into the Siwana branch can access most of Rajasthan Gramin Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC RMGB0000278

How to transfer money using IFSC RMGB0000278

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC RMGB0000278 across all three.

NEFT to Rajasthan Gramin Bank, SIWANA using IFSC RMGB0000278

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC RMGB0000278, and confirm that the system picks up Rajasthan Gramin Bank – SIWANA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SIWANA

If you need to transfer ₹2 lakh or more in one go to an account at Rajasthan Gramin Bank's SIWANA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC RMGB0000278 while initiating the transfer and the credit will appear within minutes.

IMPS to Rajasthan Gramin Bank SIWANA (IFSC RMGB0000278)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC RMGB0000278 in your mobile or internet banking app, and the money is credited to the SIWANA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Siwana

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC RMGB0000278:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at SIWANA is still linked to IFSC RMGB0000278.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC RMGB0000278

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Rajasthan Gramin Bank – SIWANA is still mapped to IFSC RMGB0000278. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC RMGB0000278 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Siwana branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC RMGB0000278 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Rajasthan Gramin Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC RMGB0000278 and the account number together uniquely identify the Siwana branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC RMGB0000278

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Rajasthan Gramin Bank – SIWANA, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: RMGB0000278.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Reaching the branch

The Siwana branch sits at BALOTRA ROAD,SIWANA. If you are travelling from outside Siwana, search for the branch on a maps application using the bank name and locality, or call the branch contact number to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC RMGB0000278 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC RMGB0000278 for Rajasthan Gramin Bank – SIWANA, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Siwana are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to RMGB0000278 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code RMGB0000278 belongs to Rajasthan Gramin Bank's SIWANA branch, located at BALOTRA ROAD,SIWANA in SIWANA, RAJASTHAN. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.