IFSC Code of State Bank of India, Retail Assets and Small Medium Enterprises City Credit Centre, Belgaum Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for State Bank of India, RETAIL ASSETS AND SMALL MEDIUM ENTERPRISES CITY CREDIT CENTRE, BELGAUM branch in BELGAUM. The 11-digit IFSC SBIN0005214 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 AND SMALL MEDIUM ENTERPRISES CITY CREDIT CENTRE, BELGAUM 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 AND SMALL MEDIUM ENTERPRISES CITY CREDIT CENTRE, BELGAUM is SBIN0005214. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 005214 map to this branch in BELGAUM, KARNATAKA.

About State Bank of India

State Bank of India operates a wide network of branches across India, including the Retail Assets and Small Medium Enterprises City Credit Centre, Belgaum branch in Belgaum. 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, SBIN0005214.

Branch details at a glance

About this branch

The branch is located at 55-B, KHANAPUR ROAD, HINDWADI, DIST BELGAUM STATE KARNATAKA PIN 590001. It serves the Belgaum region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of State Bank of India. The IFSC SBIN0005214 is used to identify this branch on the RBI payments network.

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 ASSETS AND SMALL MEDIUM ENTERPRISES CITY CREDIT CENTRE, BELGAUM branch came to be assigned the code SBIN0005214.

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 SBIN0005214, money simply cannot be routed to the RETAIL ASSETS AND SMALL MEDIUM ENTERPRISES CITY CREDIT CENTRE, BELGAUM branch electronically.

Account types you can open at the Retail Assets and Small Medium Enterprises City Credit Centre, Belgaum branch

Once you have an account at State Bank of India – RETAIL ASSETS AND SMALL MEDIUM ENTERPRISES CITY CREDIT CENTRE, BELGAUM, the IFSC SBIN0005214 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 Retail Assets and Small Medium Enterprises City Credit Centre, Belgaum 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 SBIN0005214

How to transfer money using IFSC SBIN0005214

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 SBIN0005214 across all three.

NEFT to State Bank of India, RETAIL ASSETS AND SMALL MEDIUM ENTERPRISES CITY CREDIT CENTRE, BELGAUM using IFSC SBIN0005214

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 SBIN0005214, and confirm that the system picks up State Bank of India – RETAIL ASSETS AND SMALL MEDIUM ENTERPRISES CITY CREDIT CENTRE, 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 ASSETS AND SMALL MEDIUM ENTERPRISES CITY CREDIT CENTRE, BELGAUM

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's RETAIL ASSETS AND SMALL MEDIUM ENTERPRISES CITY CREDIT CENTRE, BELGAUM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0005214 while initiating the transfer and the credit will appear within minutes.

IMPS to State Bank of India RETAIL ASSETS AND SMALL MEDIUM ENTERPRISES CITY CREDIT CENTRE, BELGAUM (IFSC SBIN0005214)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0005214 in your mobile or internet banking app, and the money is credited to the RETAIL ASSETS AND SMALL MEDIUM ENTERPRISES CITY CREDIT CENTRE, BELGAUM branch account within seconds.

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

All three modes accept the IFSC SBIN0005214 for State Bank of India – RETAIL ASSETS AND SMALL MEDIUM ENTERPRISES CITY CREDIT CENTRE, BELGAUM, 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 and Small Medium Enterprises City Credit Centre, Belgaum 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 AND SMALL MEDIUM ENTERPRISES CITY CREDIT CENTRE, BELGAUM branch, the IFSC SBIN0005214 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.

Digital banking channels

Most day-to-day work that customers used to do at the Retail Assets and Small Medium Enterprises City Credit Centre, Belgaum 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 SBIN0005214 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 & cheque-truncation details

Cheques drawn on the Retail Assets and Small Medium Enterprises City Credit Centre, Belgaum branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0005214 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC SBIN0005214

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 AND SMALL MEDIUM ENTERPRISES CITY CREDIT CENTRE, 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: SBIN0005214.
• 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 Retail Assets and Small Medium Enterprises City Credit Centre, Belgaum branch sits at 55-B, KHANAPUR ROAD, HINDWADI, DIST BELGAUM STATE KARNATAKA PIN 590001. If you are travelling from outside Belgaum, 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 SBIN0005214 and your account number.

Verifying IFSC SBIN0005214 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 SBIN0005214 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 Retail Assets and Small Medium Enterprises City Credit Centre, Belgaum branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0005214, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: SBIN0005214 is the IFSC code of State Bank of India, RETAIL ASSETS AND SMALL MEDIUM ENTERPRISES CITY CREDIT CENTRE, BELGAUM branch, in BELGAUM, KARNATAKA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.