If you are searching for the IFSC code of State Bank of India, BHALARA branch in BHALARA, JAMMU AND KASHMIR, this page has every detail you need. The verified IFSC code for this branch is SBIN0012206. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the BHALARA branch, and detailed step-by-step guides for using the IFSC SBIN0012206 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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, SBIN0012206 is the IFSC of State Bank of India's BHALARA branch. The format is fixed: SBIN = bank code, 0 = reserved, 012206 = branch identifier.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Bhalara |
| IFSC Code | SBIN0012206 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BHALARA,JAMMU AND KASHMIR,DIST DODA 182221 |
| City | Bhalara |
| District | Doda |
| State | Jammu and Kashmir |
About the bank
State Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bhalara branch in Bhalara, Jammu and Kashmir is part of this network and uses the IFSC code SBIN0012206 for all electronic settlement.
Bhalara branch overview
Located at BHALARA,JAMMU AND KASHMIR,DIST DODA 182221, the Bhalara branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0012206 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 BHALARA branch came to be assigned the code SBIN0012206.
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 SBIN0012206, money simply cannot be routed to the BHALARA branch electronically.
How to transfer money using IFSC SBIN0012206
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 SBIN0012206 across all three.
How to use IFSC SBIN0012206 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's BHALARA 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC SBIN0012206.
- Confirm the bank name auto-populates as State Bank of India and the branch as BHALARA.
- 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 BHALARA
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's BHALARA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0012206 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 – BHALARA, use IMPS. With IFSC SBIN0012206 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Bhalara
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 SBIN0012206:
- 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 BHALARA is still linked to IFSC SBIN0012206.
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 SBIN0012206
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 – BHALARA is still mapped to IFSC SBIN0012206. 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 SBIN0012206 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Bhalara branch is mapped to IFSC SBIN0012206 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 SBIN0012206.
Banking services available
The Bhalara branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- 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 SBIN0012206
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 SBIN0012206 and the account number together uniquely identify the Bhalara branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Bhalara 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 SBIN0012206 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.
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 – BHALARA:
- The IFSC is exactly SBIN0012206 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 BHALARA 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 Bhalara branch sits at BHALARA,JAMMU AND KASHMIR,DIST DODA 182221. If you are travelling from outside Bhalara, 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 SBIN0012206 and your account number.
Verifying IFSC SBIN0012206 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 SBIN0012206 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Bhalara 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 SBIN0012206 continue to work without interruption.
Branch address & contact
State Bank of IndiaBhalara Branch
BHALARA,JAMMU AND KASHMIR,DIST DODA 182221
Bhalara, Jammu and Kashmir
Phone: the branch contact number
IFSC: SBIN0012206
Frequently asked questions
Is IFSC SBIN0012206 the same for all accounts at Bhalara branch?
Yes. The IFSC SBIN0012206 is shared by every account held at State Bank of India's Bhalara branch. Only the account number changes from customer to customer.
Can I use IFSC SBIN0012206 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0012206 to send funds instantly.
Does State Bank of India Bhalara branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
What is the IFSC code of State Bank of India Bhalara branch?
The IFSC code of State Bank of India, Bhalara branch is SBIN0012206. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add State Bank of India Bhalara as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0012206, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is State Bank of India Bhalara branch located?
State Bank of India's Bhalara branch is located at BHALARA,JAMMU AND KASHMIR,DIST DODA 182221, Bhalara, Jammu and Kashmir.
Is IFSC SBIN0012206 valid for NEFT and RTGS?
Yes. IFSC SBIN0012206 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of State Bank of India Bhalara branch?
You can reach the branch at the branch contact number during regular banking hours.
Final notes
To recap: SBIN0012206 is the IFSC code of State Bank of India, BHALARA branch, in BHALARA, JAMMU AND KASHMIR. 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.
