This page lists the IFSC code, branch address, contact number and fund-transfer information for State Bank of India, ASKOTE branch in ASKOTE. The 11-digit IFSC SBIN0005972 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 ASKOTE 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For State Bank of India's ASKOTE branch, the IFSC SBIN0005972 breaks down as follows: SBIN identifies the bank, 0 is the reserved character, and 005972 identifies this particular branch.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Askote |
| IFSC Code | SBIN0005972 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ASKOTE |
| City | Askote |
| District | Pitoragarh |
| State | Uttarakhand |
| STD Code | 0 |
| Phone | 0 |
Bank profile
State Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Askote branch — IFSC SBIN0005972 — extends the bank's services to customers in and around Askote, Uttarakhand.
Askote branch overview
Located at ASKOTE, the Askote branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0005972 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 State Bank of India's ASKOTE branch came to be assigned the code SBIN0005972.
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 SBIN0005972, money simply cannot be routed to the ASKOTE branch electronically.
How to transfer money using IFSC SBIN0005972
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 SBIN0005972 across all three.
NEFT to State Bank of India, ASKOTE using IFSC SBIN0005972
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 SBIN0005972, and confirm that the system picks up State Bank of India – ASKOTE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to ASKOTE
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's ASKOTE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0005972 while initiating the transfer and the credit will appear within minutes.
IMPS to State Bank of India ASKOTE (IFSC SBIN0005972)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0005972 in your mobile or internet banking app, and the money is credited to the ASKOTE branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SBIN0005972 for State Bank of India – ASKOTE, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – SBIN0005972 | Yes – SBIN0005972 | Yes – SBIN0005972 |
For most retail customers crediting the Askote 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.
UPI payments and IFSC SBIN0005972
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 State Bank of India – ASKOTE is still mapped to IFSC SBIN0005972. 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 SBIN0005972 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Askote branch is mapped to IFSC SBIN0005972 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 SBIN0005972.
Banking services available
The Askote branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 0.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC SBIN0005972
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by State Bank of India carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC SBIN0005972 and the account number together uniquely identify the Askote branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC SBIN0005972
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the ASKOTE 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 SBIN0005972 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.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to State Bank of India – ASKOTE:
- The IFSC is exactly SBIN0005972 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills State Bank of India as the bank name and ASKOTE as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
Reaching the branch
The Askote branch sits at ASKOTE. If you are travelling from outside Askote, search for the branch on a maps application using the bank name and locality, or call 0 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 SBIN0005972 and your account number.
Verifying IFSC SBIN0005972 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm SBIN0005972 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 0.
- Visiting the bank's official branch locator page.
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 Askote branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0005972, however, work 24x7.
Branch address & contact
State Bank of IndiaAskote Branch
ASKOTE
Askote, Uttarakhand
Phone: 0
IFSC: SBIN0005972
Frequently asked questions
Does State Bank of India Askote branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 0 to confirm.
What is the phone number of State Bank of India Askote branch?
You can reach the branch at 0 during regular banking hours.
How quickly will an NEFT transfer using SBIN0005972 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Askote reflect within 30 minutes.
Is IFSC SBIN0005972 valid for NEFT and RTGS?
Yes. IFSC SBIN0005972 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC SBIN0005972 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0005972 to send funds instantly.
What is the IFSC code of State Bank of India Askote branch?
The IFSC code of State Bank of India, Askote branch is SBIN0005972. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code SBIN0005972 belongs to State Bank of India's ASKOTE branch, located at ASKOTE in ASKOTE, UTTARAKHAND. 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.
