IFSC Code of State Bank of India, R and Db Racc Bongaon Branch, West Bengal

Use this page as a one-stop reference for everything related to State Bank of India's R AND DB RACC BONGAON branch in BONGAON, WEST BENGAL. The branch's IFSC code SBIN0062987 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for State Bank of India – R AND DB RACC BONGAON is SBIN0062987. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 062987 map to this branch in BONGAON, WEST BENGAL.

Branch details at a glance

Bank profile

State Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The R and Db Racc Bongaon branch — IFSC SBIN0062987 — extends the bank's services to customers in and around Bongaon, West Bengal.

About the R and Db Racc Bongaon branch

The R and Db Racc Bongaon branch of State Bank of India is situated at RAMNAGAR ROAD, JESSORE ROAD CROSSING, BONGAON, DIST NORTH 24 PARAGANAS, WEST BENGAL - 743235. 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 SBIN0062987 is used.

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 R AND DB RACC BONGAON of State Bank of India — its own 11-character IFSC. The code SBIN0062987 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 SBIN0062987 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC SBIN0062987

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 SBIN0062987 across all three.

NEFT to State Bank of India, R AND DB RACC BONGAON using IFSC SBIN0062987

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 SBIN0062987, and confirm that the system picks up State Bank of India – R AND DB RACC BONGAON. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SBIN0062987

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 – R AND DB RACC BONGAON, ensure your bank's portal accepts IFSC SBIN0062987 while registering the beneficiary. RTGS is also available 24x7.

IMPS to State Bank of India R AND DB RACC BONGAON (IFSC SBIN0062987)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0062987 in your mobile or internet banking app, and the money is credited to the R AND DB RACC BONGAON branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to R and Db Racc Bongaon

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 SBIN0062987:

• 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 R AND DB RACC BONGAON is still linked to IFSC SBIN0062987.

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.

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 R AND DB RACC BONGAON branch, the IFSC SBIN0062987 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 R and Db Racc Bongaon branch is mapped to IFSC SBIN0062987 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 SBIN0062987.

Banking services available

The R and Db Racc Bongaon branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9674741206.

• 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 SBIN0062987

MICR & cheque-truncation details

Cheques drawn on the R and Db Racc Bongaon branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0062987 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC SBIN0062987

State Bank of India customers can register for net banking and the bank's official mobile app once their account at the R AND DB RACC BONGAON 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 SBIN0062987 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 – R AND DB RACC BONGAON:

• The IFSC is exactly SBIN0062987 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 R AND DB RACC BONGAON 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 R and Db Racc Bongaon branch sits at RAMNAGAR ROAD, JESSORE ROAD CROSSING, BONGAON, DIST NORTH 24 PARAGANAS, WEST BENGAL - 743235. If you are travelling from outside Bongaon, search for the branch on a maps application using the bank name and locality, or call 9674741206 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 SBIN0062987 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SBIN0062987 for State Bank of India – R AND DB RACC BONGAON, 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.

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 R and Db Racc Bongaon branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0062987, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SBIN0062987 belongs to State Bank of India's R AND DB RACC BONGAON branch, located at RAMNAGAR ROAD, JESSORE ROAD CROSSING, BONGAON, DIST NORTH 24 PARAGANAS, WEST… in BONGAON, WEST BENGAL. 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.