IFSC Code of State Bank of India, Smeccc Bidhannagar, Kolkata Branch, West Bengal

Use this page as a one-stop reference for everything related to State Bank of India's SMECCC BIDHANNAGAR, KOLKATA branch in BIDHANNAGAR, WEST BENGAL. The branch's IFSC code SBIN0015745 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.

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, SBIN0015745 is the IFSC of State Bank of India's SMECCC BIDHANNAGAR, KOLKATA branch. The format is fixed: SBIN = bank code, 0 = reserved, 015745 = branch identifier.

Bank profile

State Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Smeccc Bidhannagar, Kolkata branch — IFSC SBIN0015745 — extends the bank's services to customers in and around Bidhannagar, West Bengal.

Branch details at a glance

About this branch

The branch is located at KOLKATA, 1/16 VIP ROAD, 4TH FLOOR, KOLKATA 700054. It serves the Bidhannagar 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 SBIN0015745 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 SMECCC BIDHANNAGAR, KOLKATA branch came to be assigned the code SBIN0015745.

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 SBIN0015745, money simply cannot be routed to the SMECCC BIDHANNAGAR, KOLKATA branch electronically.

Products and account variants supported

Every account opened at the Smeccc Bidhannagar, Kolkata branch is mapped to IFSC SBIN0015745 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 SBIN0015745.

Banking services available

The Smeccc Bidhannagar, Kolkata 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 SBIN0015745

How to transfer money using IFSC SBIN0015745

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 SBIN0015745 across all three.

How to use IFSC SBIN0015745 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's SMECCC BIDHANNAGAR, KOLKATA 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC SBIN0015745.
4. Confirm the bank name auto-populates as State Bank of India and the branch as SMECCC BIDHANNAGAR, KOLKATA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC SBIN0015745

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 – SMECCC BIDHANNAGAR, KOLKATA, ensure your bank's portal accepts IFSC SBIN0015745 while registering the beneficiary. RTGS is also available 24x7.

IMPS to State Bank of India SMECCC BIDHANNAGAR, KOLKATA (IFSC SBIN0015745)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0015745 in your mobile or internet banking app, and the money is credited to the SMECCC BIDHANNAGAR, KOLKATA branch account within seconds.

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

All three modes accept the IFSC SBIN0015745 for State Bank of India – SMECCC BIDHANNAGAR, KOLKATA, 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 Smeccc Bidhannagar, Kolkata 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 SBIN0015745

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 – SMECCC BIDHANNAGAR, KOLKATA is still mapped to IFSC SBIN0015745. 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 SBIN0015745 and the beneficiary's account number to complete the transfer.

Online banking and IFSC SBIN0015745

State Bank of India customers can register for net banking and the bank's official mobile app once their account at the SMECCC BIDHANNAGAR, KOLKATA 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 SBIN0015745 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.

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 SBIN0015745 and the account number together uniquely identify the Smeccc Bidhannagar, Kolkata branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – SMECCC BIDHANNAGAR, KOLKATA:

• The IFSC is exactly SBIN0015745 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 SMECCC BIDHANNAGAR, KOLKATA 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 Smeccc Bidhannagar, Kolkata branch sits at KOLKATA, 1/16 VIP ROAD, 4TH FLOOR, KOLKATA 700054. If you are travelling from outside Bidhannagar, 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 SBIN0015745 and your account number.

Verifying IFSC SBIN0015745 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 SBIN0015745 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.

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 Smeccc Bidhannagar, Kolkata branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0015745, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: SBIN0015745 is the IFSC code of State Bank of India, SMECCC BIDHANNAGAR, KOLKATA branch, in BIDHANNAGAR, WEST BENGAL. 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.