IFSC Code of SBM Bank India Limited, RTGS-HO Branch, Maharashtra

Use this page as a one-stop reference for everything related to SBM Bank India Limited's RTGS-HO branch in MUMBAI, MAHARASHTRA. The branch's IFSC code STCB0000065 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, STCB0000065 is the IFSC of SBM Bank India Limited's RTGS-HO branch. The format is fixed: STCB = bank code, 0 = reserved, 000065 = branch identifier.

Branch details at a glance

Bank profile

SBM Bank India Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The RTGS-HO branch — IFSC STCB0000065 — extends the bank's services to customers in and around Mumbai, Maharashtra.

RTGS-HO branch overview

Located at 101,RAHEJA CENTRE 1ST FLOOR,FREE PRESS JOURNAL ROAD,NARIMANPOINT MUMBAI 400021, the RTGS-HO branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC STCB0000065 is required for all interbank electronic transfers routed through this branch.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how SBM Bank India Limited's RTGS-HO branch came to be assigned the code STCB0000065.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC STCB0000065, money simply cannot be routed to the RTGS-HO branch electronically.

How to transfer money using IFSC STCB0000065

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 STCB0000065 across all three.

How to use IFSC STCB0000065 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to SBM Bank India Limited's RTGS-HO branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC STCB0000065.
4. Confirm the bank name auto-populates as SBM Bank India Limited and the branch as RTGS-HO.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to RTGS-HO

If you need to transfer ₹2 lakh or more in one go to an account at SBM Bank India Limited's RTGS-HO branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC STCB0000065 while initiating the transfer and the credit will appear within minutes.

IMPS to SBM Bank India Limited RTGS-HO (IFSC STCB0000065)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC STCB0000065 in your mobile or internet banking app, and the money is credited to the RTGS-HO branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC STCB0000065 for SBM Bank India Limited – RTGS-HO, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the RTGS-HO branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at SBM Bank India Limited's RTGS-HO branch, the IFSC STCB0000065 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Account types you can open at the RTGS-HO branch

Once you have an account at SBM Bank India Limited – RTGS-HO, the IFSC STCB0000065 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the RTGS-HO branch can access most of SBM Bank India Limited'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 STCB0000065

MICR & cheque-truncation details

Cheques drawn on the RTGS-HO branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC STCB0000065 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC STCB0000065

SBM Bank India Limited customers can register for net banking and the bank's official mobile app once their account at the RTGS-HO branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC STCB0000065 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Common mistakes to avoid when using IFSC STCB0000065

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 SBM Bank India Limited – RTGS-HO, 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: STCB0000065.
• 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 RTGS-HO branch sits at 101,RAHEJA CENTRE 1ST FLOOR,FREE PRESS JOURNAL ROAD,NARIMANPOINT MUMBAI 400021. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-43028826 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 STCB0000065 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC STCB0000065 for SBM Bank India Limited – RTGS-HO, 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.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The RTGS-HO branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC STCB0000065, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code STCB0000065 belongs to SBM Bank India Limited's RTGS-HO branch, located at 101,RAHEJA CENTRE 1ST FLOOR,FREE PRESS JOURNAL ROAD,NARIMANPOINT MUMBAI 400021 in MUMBAI, MAHARASHTRA. 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.