This page lists the IFSC code, branch address, contact number and fund-transfer information for State Bank of India, CHANGSARI branch in CHANGSARI. The 11-digit IFSC SBIN0016944 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 CHANGSARI 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.
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 CHANGSARI branch, the IFSC SBIN0016944 breaks down as follows: SBIN identifies the bank, 0 is the reserved character, and 016944 identifies this particular branch.
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 Changsari branch in Changsari, Assam is part of this network and uses the IFSC code SBIN0016944 for all electronic settlement.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Changsari |
| IFSC Code | SBIN0016944 |
| MICR Code | Refer to cheque leaf |
| Branch Address | CHANGSARI,POST OFFICE CHANGSARI,DISTT.KAMRUP RURAL.ASSAM 781101 |
| City | Changsari |
| District | Kamrup |
| State | Assam |
| STD Code | 0 |
| Phone | 0 |
About this branch
The branch is located at CHANGSARI,POST OFFICE CHANGSARI,DISTT.KAMRUP RURAL.ASSAM 781101. It serves the Changsari 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 SBIN0016944 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 CHANGSARI branch came to be assigned the code SBIN0016944.
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 SBIN0016944, money simply cannot be routed to the CHANGSARI branch electronically.
Account types you can open at the Changsari branch
Once you have an account at State Bank of India – CHANGSARI, the IFSC SBIN0016944 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.
Banking services available
The Changsari branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 0.
- 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 SBIN0016944
How to transfer money using IFSC SBIN0016944
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 SBIN0016944 across all three.
How to use IFSC SBIN0016944 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's CHANGSARI 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 SBIN0016944.
- Confirm the bank name auto-populates as State Bank of India and the branch as CHANGSARI.
- 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 CHANGSARI
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's CHANGSARI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0016944 while initiating the transfer and the credit will appear within minutes.
IMPS to State Bank of India CHANGSARI (IFSC SBIN0016944)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0016944 in your mobile or internet banking app, and the money is credited to the CHANGSARI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SBIN0016944 for State Bank of India – CHANGSARI, 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 – SBIN0016944 | Yes – SBIN0016944 | Yes – SBIN0016944 |
For most retail customers crediting the Changsari 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 CHANGSARI branch, the IFSC SBIN0016944 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.
Digital banking channels
Most day-to-day work that customers used to do at the Changsari 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 SBIN0016944 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.
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 SBIN0016944 and the account number together uniquely identify the Changsari branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC SBIN0016944
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 – CHANGSARI, 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:
SBIN0016944. - 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 Changsari branch
The branch is located at CHANGSARI,POST OFFICE CHANGSARI,DISTT.KAMRUP RURAL.ASSAM 781101, which puts it inside Changsari, the broader Kamrup district, and the state of Assam. To plan your visit:
- Open Google Maps on your phone and search for “State Bank of India Changsari branch” — the verified location pin for IFSC SBIN0016944 should appear at the top of the results.
- Confirm the branch is open by calling 0 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 SBIN0016944 and your account number.
Verifying IFSC SBIN0016944 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 SBIN0016944 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 0.
- Visiting the bank's official branch locator page.
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 Changsari branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0016944, however, work 24x7.
Branch address & contact
State Bank of IndiaChangsari Branch
CHANGSARI,POST OFFICE CHANGSARI,DISTT.KAMRUP RURAL.ASSAM 781101
Changsari, Assam
Phone: 0
IFSC: SBIN0016944
Frequently asked questions
Can I use IFSC SBIN0016944 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0016944 to send funds instantly.
Where is State Bank of India Changsari branch located?
State Bank of India's Changsari branch is located at CHANGSARI,POST OFFICE CHANGSARI,DISTT.KAMRUP RURAL.ASSAM 781101, Changsari, Assam.
Is IFSC SBIN0016944 the same for all accounts at Changsari branch?
Yes. The IFSC SBIN0016944 is shared by every account held at State Bank of India's Changsari branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using SBIN0016944 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Changsari reflect within 30 minutes.
What is the phone number of State Bank of India Changsari branch?
You can reach the branch at 0 during regular banking hours.
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 Changsari branch but serve different purposes.
Is IFSC SBIN0016944 valid for NEFT and RTGS?
Yes. IFSC SBIN0016944 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code SBIN0016944 belongs to State Bank of India's CHANGSARI branch, located at CHANGSARI,POST OFFICE CHANGSARI,DISTT.KAMRUP RURAL.ASSAM 781101 in CHANGSARI, ASSAM. 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.
