IFSC Code of State Bank of India, SME Branch Chandernagore Branch, West Bengal

Below are the complete branch details for State Bank of India, SME BRANCH CHANDERNAGORE branch, located in CHANDERNAGORE, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0063804. 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 SBIN0063804 for State Bank of India – SME BRANCH CHANDERNAGORE — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 SME BRANCH CHANDERNAGORE branch, the IFSC SBIN0063804 breaks down as follows: SBIN identifies the bank, 0 is the reserved character, and 063804 identifies this particular branch.

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 SME Branch Chandernagore branch — IFSC SBIN0063804 — extends the bank's services to customers in and around Chandernagore, West Bengal.

About this branch

The branch is located at PO-CHANDERNAGORE,DIST-HOOGLY,WEST BENGAL -712136. It serves the Chandernagore 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 SBIN0063804 is used to identify this branch on the RBI payments network.

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 SME BRANCH CHANDERNAGORE of State Bank of India — its own 11-character IFSC. The code SBIN0063804 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 SBIN0063804 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 SBIN0063804

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 SBIN0063804 across all three.

NEFT to State Bank of India, SME BRANCH CHANDERNAGORE using IFSC SBIN0063804

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 SBIN0063804, and confirm that the system picks up State Bank of India – SME BRANCH CHANDERNAGORE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SBIN0063804

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 – SME BRANCH CHANDERNAGORE, ensure your bank's portal accepts IFSC SBIN0063804 while registering the beneficiary. RTGS is also available 24x7.

IMPS to State Bank of India SME BRANCH CHANDERNAGORE (IFSC SBIN0063804)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0063804 in your mobile or internet banking app, and the money is credited to the SME BRANCH CHANDERNAGORE branch account within seconds.

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

All three modes accept the IFSC SBIN0063804 for State Bank of India – SME BRANCH CHANDERNAGORE, 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 SME Branch Chandernagore 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 SBIN0063804

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 – SME BRANCH CHANDERNAGORE is still mapped to IFSC SBIN0063804. 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 SBIN0063804 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the SME Branch Chandernagore branch is mapped to IFSC SBIN0063804 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 SBIN0063804.

Banking services available

The SME Branch Chandernagore branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9674711272.

• 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 SBIN0063804

MICR & cheque-truncation details

Cheques drawn on the SME Branch Chandernagore branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0063804 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the SME Branch Chandernagore 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 SBIN0063804 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.

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 – SME BRANCH CHANDERNAGORE:

• The IFSC is exactly SBIN0063804 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 SME BRANCH CHANDERNAGORE 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 SME Branch Chandernagore branch

The branch is located at PO-CHANDERNAGORE,DIST-HOOGLY,WEST BENGAL -712136, which puts it inside Chandernagore, the broader Chandernagore district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “State Bank of India SME Branch Chandernagore branch” — the verified location pin for IFSC SBIN0063804 should appear at the top of the results.
2. Confirm the branch is open by calling 9674711272 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 SBIN0063804 and your account number.

Verifying IFSC SBIN0063804 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 SBIN0063804 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9674711272.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at SME Branch Chandernagore 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 SBIN0063804 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SBIN0063804 is the IFSC code of State Bank of India, SME BRANCH CHANDERNAGORE branch, in CHANDERNAGORE, 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.