This page lists the IFSC code, branch address, contact number and fund-transfer information for State Bank of India, BIJBEHARA branch in BIJBEHARA. The 11-digit IFSC SBIN0016496 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 BIJBEHARA 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.
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, SBIN0016496 is the IFSC of State Bank of India's BIJBEHARA branch. The format is fixed: SBIN = bank code, 0 = reserved, 016496 = branch identifier.
About State Bank of India
State Bank of India operates a wide network of branches across India, including the Bijbehara branch in Bijbehara. 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, SBIN0016496.
About this branch
The branch is located at OPPOSITE POLICE STATION, NATIONAL HIGHWAY BIJBEHARA, DISTT. ANANTNAG. JAMMU AND KASHMIR 192124. It serves the Bijbehara 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 SBIN0016496 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Bijbehara |
| IFSC Code | SBIN0016496 |
| MICR Code | Refer to cheque leaf |
| Branch Address | OPPOSITE POLICE STATION, NATIONAL HIGHWAY BIJBEHARA, DISTT. ANANTNAG. JAMMU AND KASHMIR 192124 |
| City | Bijbehara |
| District | Anantnag |
| State | Jammu and Kashmir |
Why every State Bank of India branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including BIJBEHARA of State Bank of India — its own 11-character IFSC. The code SBIN0016496 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC SBIN0016496 the same way you would treat your account number — verify it once and save it carefully for future use.
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 SBIN0016496 and the account number together uniquely identify the Bijbehara branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC SBIN0016496
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 SBIN0016496 across all three.
NEFT to State Bank of India, BIJBEHARA using IFSC SBIN0016496
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 SBIN0016496, and confirm that the system picks up State Bank of India – BIJBEHARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BIJBEHARA
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's BIJBEHARA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0016496 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 – BIJBEHARA, use IMPS. With IFSC SBIN0016496 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 SBIN0016496 for State Bank of India – BIJBEHARA, 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 – SBIN0016496 | Yes – SBIN0016496 | Yes – SBIN0016496 |
For most retail customers crediting the Bijbehara 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 BIJBEHARA branch, the IFSC SBIN0016496 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.
Products and account variants supported
Every account opened at the Bijbehara branch is mapped to IFSC SBIN0016496 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 SBIN0016496.
Products and services
Customers walking into the Bijbehara 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 SBIN0016496
Online banking and IFSC SBIN0016496
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the BIJBEHARA 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 SBIN0016496 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.
Reaching the branch
The Bijbehara branch sits at OPPOSITE POLICE STATION, NATIONAL HIGHWAY BIJBEHARA, DISTT. ANANTNAG. JAMMU AND KASHMIR 192124. If you are travelling from outside Bijbehara, 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 SBIN0016496 and your account number.
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 – BIJBEHARA:
- The IFSC is exactly SBIN0016496 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 BIJBEHARA 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.
Working hours
Branch counters at Bijbehara 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 SBIN0016496 continue to work without interruption.
Verifying IFSC SBIN0016496 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 SBIN0016496 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 address & contact
State Bank of IndiaBijbehara Branch
OPPOSITE POLICE STATION, NATIONAL HIGHWAY BIJBEHARA, DISTT. ANANTNAG. JAMMU AND KASHMIR 192124
Bijbehara, Jammu and Kashmir
Phone: the branch contact number
IFSC: SBIN0016496
Frequently asked questions
Is IFSC SBIN0016496 the same for all accounts at Bijbehara branch?
Yes. The IFSC SBIN0016496 is shared by every account held at State Bank of India's Bijbehara branch. Only the account number changes from customer to customer.
How do I add State Bank of India Bijbehara as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0016496, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of State Bank of India Bijbehara branch?
The IFSC code of State Bank of India, Bijbehara branch is SBIN0016496. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC SBIN0016496 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0016496 to send funds instantly.
Does State Bank of India Bijbehara 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 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 Bijbehara branch but serve different purposes.
How quickly will an NEFT transfer using SBIN0016496 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Bijbehara reflect within 30 minutes.
Final notes
To recap: SBIN0016496 is the IFSC code of State Bank of India, BIJBEHARA branch, in BIJBEHARA, 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.
