IFSC Code of State Bank of India, Retail Assets Small Medium Enterprises City Credit Cell ,Rasmeccc Aligarh Branch, Uttar Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for State Bank of India, RETAIL ASSETS SMALL MEDIUM ENTERPRISES CITY CREDIT CELL ,RASMECCC ALIGARH branch in ALIGARH. The 11-digit IFSC SBIN0010321 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with State Bank of India at the RETAIL ASSETS SMALL MEDIUM ENTERPRISES CITY CREDIT CELL ,RASMECCC ALIGARH location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 State Bank of India – RETAIL ASSETS SMALL MEDIUM ENTERPRISES CITY CREDIT CELL ,RASMECCC ALIGARH is SBIN0010321. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 010321 map to this branch in ALIGARH, UTTAR PRADESH.

About State Bank of India

State Bank of India operates a wide network of branches across India, including the Retail Assets Small Medium Enterprises City Credit Cell ,Rasmeccc Aligarh branch in Aligarh. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, SBIN0010321.

Retail Assets Small Medium Enterprises City Credit Cell ,Rasmeccc Aligarh branch overview

Located at ALIGARH, the Retail Assets Small Medium Enterprises City Credit Cell ,Rasmeccc Aligarh branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0010321 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

Why every State Bank of India 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 RETAIL ASSETS SMALL MEDIUM ENTERPRISES CITY CREDIT CELL ,RASMECCC ALIGARH of State Bank of India — its own 11-character IFSC. The code SBIN0010321 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 SBIN0010321 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Retail Assets Small Medium Enterprises City Credit Cell ,Rasmeccc Aligarh branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0010321 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC SBIN0010321

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 SBIN0010321 across all three.

How to use IFSC SBIN0010321 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's RETAIL ASSETS SMALL MEDIUM ENTERPRISES CITY CREDIT CELL ,RASMECCC ALIGARH 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 SBIN0010321.
4. Confirm the bank name auto-populates as State Bank of India and the branch as RETAIL ASSETS SMALL MEDIUM ENTERPRISES CITY CREDIT CELL ,RASMECCC ALIGARH.
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 RETAIL ASSETS SMALL MEDIUM ENTERPRISES CITY CREDIT CELL ,RASMECCC ALIGARH

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's RETAIL ASSETS SMALL MEDIUM ENTERPRISES CITY CREDIT CELL ,RASMECCC ALIGARH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0010321 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to State Bank of India – RETAIL ASSETS SMALL MEDIUM ENTERPRISES CITY CREDIT CELL ,RASMECCC ALIGARH, use IMPS. With IFSC SBIN0010321 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC SBIN0010321 for State Bank of India – RETAIL ASSETS SMALL MEDIUM ENTERPRISES CITY CREDIT CELL ,RASMECCC ALIGARH, 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 Retail Assets Small Medium Enterprises City Credit Cell ,Rasmeccc Aligarh 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 State Bank of India's RETAIL ASSETS SMALL MEDIUM ENTERPRISES CITY CREDIT CELL ,RASMECCC ALIGARH branch, the IFSC SBIN0010321 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.

Products and account variants supported

Every account opened at the Retail Assets Small Medium Enterprises City Credit Cell ,Rasmeccc Aligarh branch is mapped to IFSC SBIN0010321 on the RBI payments network. The branch generally supports the full retail product catalogue of State Bank of India, 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 SBIN0010321.

Products and services

Customers walking into the Retail Assets Small Medium Enterprises City Credit Cell ,Rasmeccc Aligarh branch can access most of State Bank of India'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 SBIN0010321

Digital banking channels

Most day-to-day work that customers used to do at the Retail Assets Small Medium Enterprises City Credit Cell ,Rasmeccc Aligarh 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 SBIN0010321 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.

Reaching the branch

The Retail Assets Small Medium Enterprises City Credit Cell ,Rasmeccc Aligarh branch sits at ALIGARH. If you are travelling from outside Aligarh, 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 SBIN0010321 and your account number.

Common mistakes to avoid when using IFSC SBIN0010321

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 State Bank of India – RETAIL ASSETS SMALL MEDIUM ENTERPRISES CITY CREDIT CELL ,RASMECCC ALIGARH, 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: SBIN0010321.
• 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.

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 Retail Assets Small Medium Enterprises City Credit Cell ,Rasmeccc Aligarh branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0010321, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SBIN0010321 for State Bank of India – RETAIL ASSETS SMALL MEDIUM ENTERPRISES CITY CREDIT CELL ,RASMECCC ALIGARH, 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 address & contact

Frequently asked questions

Summary

The IFSC code SBIN0010321 belongs to State Bank of India's RETAIL ASSETS SMALL MEDIUM ENTERPRISES CITY CREDIT CELL ,RASMECCC ALIGARH branch, located at ALIGARH in ALIGARH, UTTAR PRADESH. 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.