Below are the complete branch details for State Bank of India, MIANI BHAGUPURIAN branch, located in BHOLATH, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0051309. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case SBIN0051309 for State Bank of India – MIANI BHAGUPURIAN — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, SBIN0051309 is the IFSC of State Bank of India's MIANI BHAGUPURIAN branch. The format is fixed: SBIN = bank code, 0 = reserved, 051309 = branch identifier.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Miani Bhagupurian |
| IFSC Code | SBIN0051309 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VPO MIANI BHAGUPURIAN TEHSIL BHOLATHDISTT KAPURTHALA PUNJAB PIN 144631 |
| City | Bholath |
| District | Kapurthala |
| State | Punjab |
| Phone | 1822248080 |
About State Bank of India
State Bank of India operates a wide network of branches across India, including the Miani Bhagupurian branch in Bholath. 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, SBIN0051309.
About the Miani Bhagupurian branch
The Miani Bhagupurian branch of State Bank of India is situated at VPO MIANI BHAGUPURIAN TEHSIL BHOLATHDISTT KAPURTHALA PUNJAB PIN 144631. 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 SBIN0051309 is used.
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 MIANI BHAGUPURIAN branch came to be assigned the code SBIN0051309.
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 SBIN0051309, money simply cannot be routed to the MIANI BHAGUPURIAN branch electronically.
How to transfer money using IFSC SBIN0051309
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 SBIN0051309 across all three.
NEFT to State Bank of India, MIANI BHAGUPURIAN using IFSC SBIN0051309
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 SBIN0051309, and confirm that the system picks up State Bank of India – MIANI BHAGUPURIAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC SBIN0051309
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to State Bank of India – MIANI BHAGUPURIAN, ensure your bank's portal accepts IFSC SBIN0051309 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to State Bank of India – MIANI BHAGUPURIAN, use IMPS. With IFSC SBIN0051309 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 SBIN0051309 for State Bank of India – MIANI BHAGUPURIAN, 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 – SBIN0051309 | Yes – SBIN0051309 | Yes – SBIN0051309 |
For most retail customers crediting the Miani Bhagupurian 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 SBIN0051309
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 – MIANI BHAGUPURIAN is still mapped to IFSC SBIN0051309. 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 SBIN0051309 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Miani Bhagupurian branch is mapped to IFSC SBIN0051309 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 SBIN0051309.
Products and services
Customers walking into the Miani Bhagupurian 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 SBIN0051309
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 SBIN0051309 and the account number together uniquely identify the Miani Bhagupurian branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC SBIN0051309
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the MIANI BHAGUPURIAN 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 SBIN0051309 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 – MIANI BHAGUPURIAN:
- The IFSC is exactly SBIN0051309 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 MIANI BHAGUPURIAN 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 Miani Bhagupurian branch sits at VPO MIANI BHAGUPURIAN TEHSIL BHOLATHDISTT KAPURTHALA PUNJAB PIN 144631. If you are travelling from outside Bholath, search for the branch on a maps application using the bank name and locality, or call 1822248080 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 SBIN0051309 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC SBIN0051309 for State Bank of India – MIANI BHAGUPURIAN, 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.
Working hours
Branch counters at Miani Bhagupurian 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 SBIN0051309 continue to work without interruption.
Branch address & contact
State Bank of IndiaMiani Bhagupurian Branch
VPO MIANI BHAGUPURIAN TEHSIL BHOLATHDISTT KAPURTHALA PUNJAB PIN 144631
Bholath, Punjab
Phone: 1822248080
IFSC: SBIN0051309
Frequently asked questions
How quickly will an NEFT transfer using SBIN0051309 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Miani Bhagupurian reflect within 30 minutes.
Can I use IFSC SBIN0051309 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0051309 to send funds instantly.
Is IFSC SBIN0051309 the same for all accounts at Miani Bhagupurian branch?
Yes. The IFSC SBIN0051309 is shared by every account held at State Bank of India's Miani Bhagupurian branch. Only the account number changes from customer to customer.
Is IFSC SBIN0051309 valid for NEFT and RTGS?
Yes. IFSC SBIN0051309 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of State Bank of India Miani Bhagupurian branch?
You can reach the branch at 1822248080 during regular banking hours.
Does State Bank of India Miani Bhagupurian branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1822248080 to confirm.
How do I add State Bank of India Miani Bhagupurian as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0051309, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Miani Bhagupurian branch but serve different purposes.
Summary
The IFSC code SBIN0051309 belongs to State Bank of India's MIANI BHAGUPURIAN branch, located at VPO MIANI BHAGUPURIAN TEHSIL BHOLATHDISTT KAPURTHALA PUNJAB PIN 144631 in BHOLATH, PUNJAB. 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.
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