IFSC Code of State Bank of India, Chakra Gosain Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to State Bank of India's CHAKRA GOSAIN branch in CHAKRA GOSAIN, UTTAR PRADESH. The branch's IFSC code SBIN0014580 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For State Bank of India's CHAKRA GOSAIN branch, the IFSC SBIN0014580 breaks down as follows: SBIN identifies the bank, 0 is the reserved character, and 014580 identifies this particular branch.

Branch details at a glance

About the bank

State Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Chakra Gosain branch in Chakra Gosain, Uttar Pradesh is part of this network and uses the IFSC code SBIN0014580 for all electronic settlement.

Chakra Gosain branch overview

Located at 14580,CHAKRA GOSAIN,PO BHARTHI,DIST DEORIA, the Chakra Gosain branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0014580 is required for all interbank electronic transfers routed through this branch.

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 CHAKRA GOSAIN of State Bank of India — its own 11-character IFSC. The code SBIN0014580 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 SBIN0014580 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 SBIN0014580

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 SBIN0014580 across all three.

How to use IFSC SBIN0014580 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's CHAKRA GOSAIN 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 SBIN0014580.
4. Confirm the bank name auto-populates as State Bank of India and the branch as CHAKRA GOSAIN.
5. 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 CHAKRA GOSAIN

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's CHAKRA GOSAIN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0014580 while initiating the transfer and the credit will appear within minutes.

IMPS to State Bank of India CHAKRA GOSAIN (IFSC SBIN0014580)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0014580 in your mobile or internet banking app, and the money is credited to the CHAKRA GOSAIN branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Chakra Gosain

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 SBIN0014580:

• 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 CHAKRA GOSAIN is still linked to IFSC SBIN0014580.

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.

UPI payments and IFSC SBIN0014580

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 – CHAKRA GOSAIN is still mapped to IFSC SBIN0014580. 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 SBIN0014580 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Chakra Gosain branch is mapped to IFSC SBIN0014580 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 SBIN0014580.

Banking services available

The Chakra Gosain 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 SBIN0014580

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 SBIN0014580 and the account number together uniquely identify the Chakra Gosain branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Chakra Gosain branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC SBIN0014580 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Common mistakes to avoid when using IFSC SBIN0014580

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to State Bank of India – CHAKRA GOSAIN, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: SBIN0014580.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the Chakra Gosain branch

The branch is located at 14580,CHAKRA GOSAIN,PO BHARTHI,DIST DEORIA, which puts it inside Chakra Gosain, the broader Deoria district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “State Bank of India Chakra Gosain branch” — the verified location pin for IFSC SBIN0014580 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
3. 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 SBIN0014580 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SBIN0014580 for State Bank of India – CHAKRA GOSAIN, 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 Chakra Gosain 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 SBIN0014580 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SBIN0014580 belongs to State Bank of India's CHAKRA GOSAIN branch, located at 14580,CHAKRA GOSAIN,PO BHARTHI,DIST DEORIA in CHAKRA GOSAIN, UTTAR PRADESH. 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.