Below are the complete branch details for State Bank of India, BIRAMITRAPUR branch, located in BIRMITRAPUR, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0004860. 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 SBIN0004860 for State Bank of India – BIRAMITRAPUR — 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, SBIN0004860 is the IFSC of State Bank of India's BIRAMITRAPUR branch. The format is fixed: SBIN = bank code, 0 = reserved, 004860 = branch identifier.
Bank profile
State Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Biramitrapur branch — IFSC SBIN0004860 — extends the bank's services to customers in and around Birmitrapur, Odisha.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Biramitrapur |
| IFSC Code | SBIN0004860 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DISTSUNDARGARH ORISSA 770033 |
| City | Birmitrapur |
| District | Surendranagar |
| State | Odisha |
About this branch
The branch is located at DISTSUNDARGARH ORISSA 770033. It serves the Birmitrapur 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 SBIN0004860 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 BIRAMITRAPUR branch came to be assigned the code SBIN0004860.
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 SBIN0004860, money simply cannot be routed to the BIRAMITRAPUR branch electronically.
Account types you can open at the Biramitrapur branch
Once you have an account at State Bank of India – BIRAMITRAPUR, the IFSC SBIN0004860 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 Biramitrapur 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 SBIN0004860
How to transfer money using IFSC SBIN0004860
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 SBIN0004860 across all three.
How to use IFSC SBIN0004860 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's BIRAMITRAPUR 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 SBIN0004860.
- Confirm the bank name auto-populates as State Bank of India and the branch as BIRAMITRAPUR.
- 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 BIRAMITRAPUR
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's BIRAMITRAPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0004860 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 – BIRAMITRAPUR, use IMPS. With IFSC SBIN0004860 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 SBIN0004860 for State Bank of India – BIRAMITRAPUR, 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 – SBIN0004860 | Yes – SBIN0004860 | Yes – SBIN0004860 |
For most retail customers crediting the Biramitrapur 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 BIRAMITRAPUR branch, the IFSC SBIN0004860 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.
Online banking and IFSC SBIN0004860
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the BIRAMITRAPUR 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 SBIN0004860 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 SBIN0004860 and the account number together uniquely identify the Biramitrapur 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 – BIRAMITRAPUR:
- The IFSC is exactly SBIN0004860 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 BIRAMITRAPUR 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.
How to reach the Biramitrapur branch
The branch is located at DISTSUNDARGARH ORISSA 770033, which puts it inside Birmitrapur, the broader Surendranagar district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “State Bank of India Biramitrapur branch” — the verified location pin for IFSC SBIN0004860 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC SBIN0004860 and your account number.
Verifying IFSC SBIN0004860 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 SBIN0004860 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 Biramitrapur 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 SBIN0004860 continue to work without interruption.
Branch address & contact
State Bank of IndiaBiramitrapur Branch
DISTSUNDARGARH ORISSA 770033
Birmitrapur, Odisha
Phone: the branch contact number
IFSC: SBIN0004860
Frequently asked questions
How do I add State Bank of India Biramitrapur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0004860, 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 Biramitrapur branch but serve different purposes.
Where is State Bank of India Biramitrapur branch located?
State Bank of India's Biramitrapur branch is located at DISTSUNDARGARH ORISSA 770033, Birmitrapur, Odisha.
How quickly will an NEFT transfer using SBIN0004860 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Biramitrapur reflect within 30 minutes.
What is the IFSC code of State Bank of India Biramitrapur branch?
The IFSC code of State Bank of India, Biramitrapur branch is SBIN0004860. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC SBIN0004860 valid for NEFT and RTGS?
Yes. IFSC SBIN0004860 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC SBIN0004860 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0004860 to send funds instantly.
Does State Bank of India Biramitrapur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Summary
The IFSC code SBIN0004860 belongs to State Bank of India's BIRAMITRAPUR branch, located at DISTSUNDARGARH ORISSA 770033 in BIRMITRAPUR, ODISHA. 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.
