IFSC Code of State Bank of India, Retail Asset Credit Centre Fimm ADB Belgaum Branch, Karnataka

Use this page as a one-stop reference for everything related to State Bank of India's RETAIL ASSET CREDIT CENTRE FIMM ADB BELGAUM branch in BELAGAVI, KARNATAKA. The branch's IFSC code SBIN0063045 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.

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 RETAIL ASSET CREDIT CENTRE FIMM ADB BELGAUM branch, the IFSC SBIN0063045 breaks down as follows: SBIN identifies the bank, 0 is the reserved character, and 063045 identifies this particular branch.

Bank profile

State Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Retail Asset Credit Centre Fimm ADB Belgaum branch — IFSC SBIN0063045 — extends the bank's services to customers in and around Belagavi, Karnataka.

About the Retail Asset Credit Centre Fimm ADB Belgaum branch

The Retail Asset Credit Centre Fimm ADB Belgaum branch of State Bank of India is situated at RISALDAR GALLI, BELGAUM ADB, BELGAUM, KARNATAKA-590002. 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 SBIN0063045 is used.

Branch details at a glance

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 RETAIL ASSET CREDIT CENTRE FIMM ADB BELGAUM branch came to be assigned the code SBIN0063045.

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 SBIN0063045, money simply cannot be routed to the RETAIL ASSET CREDIT CENTRE FIMM ADB BELGAUM branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Retail Asset Credit Centre Fimm ADB Belgaum branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0063045 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 SBIN0063045

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 SBIN0063045 across all three.

NEFT to State Bank of India, RETAIL ASSET CREDIT CENTRE FIMM ADB BELGAUM using IFSC SBIN0063045

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 SBIN0063045, and confirm that the system picks up State Bank of India – RETAIL ASSET CREDIT CENTRE FIMM ADB BELGAUM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to RETAIL ASSET CREDIT CENTRE FIMM ADB BELGAUM

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's RETAIL ASSET CREDIT CENTRE FIMM ADB BELGAUM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0063045 while initiating the transfer and the credit will appear within minutes.

IMPS to State Bank of India RETAIL ASSET CREDIT CENTRE FIMM ADB BELGAUM (IFSC SBIN0063045)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0063045 in your mobile or internet banking app, and the money is credited to the RETAIL ASSET CREDIT CENTRE FIMM ADB BELGAUM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Retail Asset Credit Centre Fimm ADB Belgaum

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 SBIN0063045:

• 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 RETAIL ASSET CREDIT CENTRE FIMM ADB BELGAUM is still linked to IFSC SBIN0063045.

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 SBIN0063045

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 – RETAIL ASSET CREDIT CENTRE FIMM ADB BELGAUM is still mapped to IFSC SBIN0063045. 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 SBIN0063045 and the beneficiary's account number to complete the transfer.

Account types you can open at the Retail Asset Credit Centre Fimm ADB Belgaum branch

Once you have an account at State Bank of India – RETAIL ASSET CREDIT CENTRE FIMM ADB BELGAUM, the IFSC SBIN0063045 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.

Banking services available

The Retail Asset Credit Centre Fimm ADB Belgaum branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6361870843.

• 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 SBIN0063045

Online banking and IFSC SBIN0063045

State Bank of India customers can register for net banking and the bank's official mobile app once their account at the RETAIL ASSET CREDIT CENTRE FIMM ADB BELGAUM 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 SBIN0063045 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.

How to reach the Retail Asset Credit Centre Fimm ADB Belgaum branch

The branch is located at RISALDAR GALLI, BELGAUM ADB, BELGAUM, KARNATAKA-590002, which puts it inside Belagavi, the broader Belagavi district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “State Bank of India Retail Asset Credit Centre Fimm ADB Belgaum branch” — the verified location pin for IFSC SBIN0063045 should appear at the top of the results.
2. Confirm the branch is open by calling 6361870843 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC SBIN0063045 and your account number.

Common mistakes to avoid when using IFSC SBIN0063045

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 ASSET CREDIT CENTRE FIMM ADB BELGAUM, 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: SBIN0063045.
• 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.

Working hours

Branch counters at Retail Asset Credit Centre Fimm ADB Belgaum 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 SBIN0063045 continue to work without interruption.

Verifying IFSC SBIN0063045 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 SBIN0063045 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 6361870843.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SBIN0063045 belongs to State Bank of India's RETAIL ASSET CREDIT CENTRE FIMM ADB BELGAUM branch, located at RISALDAR GALLI, BELGAUM ADB, BELGAUM, KARNATAKA-590002 in BELAGAVI, KARNATAKA. 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.