IFSC Code of State Bank of India, R and Db Retail Asset Credit Centre Chickmagalur Branch, Karnataka

Below are the complete branch details for State Bank of India, R AND DB RETAIL ASSET CREDIT CENTRE CHICKMAGALUR branch, located in CHIKKAMAGALURU, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0063080. 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 SBIN0063080 for State Bank of India – R AND DB RETAIL ASSET CREDIT CENTRE CHICKMAGALUR — 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 R AND DB RETAIL ASSET CREDIT CENTRE CHICKMAGALUR branch, the IFSC SBIN0063080 breaks down as follows: SBIN identifies the bank, 0 is the reserved character, and 063080 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 R and Db Retail Asset Credit Centre Chickmagalur branch — IFSC SBIN0063080 — extends the bank's services to customers in and around Chikkamagaluru, Karnataka.

About the R and Db Retail Asset Credit Centre Chickmagalur branch

The R and Db Retail Asset Credit Centre Chickmagalur branch of State Bank of India is situated at YASHORAM CHAMBERS, R G ROAD, CHIKMAGALUR BRANCH, CHIKMAGALUR 577101. 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 SBIN0063080 is used.

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 R AND DB RETAIL ASSET CREDIT CENTRE CHICKMAGALUR branch came to be assigned the code SBIN0063080.

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 SBIN0063080, money simply cannot be routed to the R AND DB RETAIL ASSET CREDIT CENTRE CHICKMAGALUR branch electronically.

How to transfer money using IFSC SBIN0063080

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 SBIN0063080 across all three.

NEFT to State Bank of India, R AND DB RETAIL ASSET CREDIT CENTRE CHICKMAGALUR using IFSC SBIN0063080

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 SBIN0063080, and confirm that the system picks up State Bank of India – R AND DB RETAIL ASSET CREDIT CENTRE CHICKMAGALUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to R AND DB RETAIL ASSET CREDIT CENTRE CHICKMAGALUR

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's R AND DB RETAIL ASSET CREDIT CENTRE CHICKMAGALUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0063080 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 – R AND DB RETAIL ASSET CREDIT CENTRE CHICKMAGALUR, use IMPS. With IFSC SBIN0063080 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 SBIN0063080 for State Bank of India – R AND DB RETAIL ASSET CREDIT CENTRE CHICKMAGALUR, 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 R and Db Retail Asset Credit Centre Chickmagalur 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 SBIN0063080

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 – R AND DB RETAIL ASSET CREDIT CENTRE CHICKMAGALUR is still mapped to IFSC SBIN0063080. 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 SBIN0063080 and the beneficiary's account number to complete the transfer.

Account types you can open at the R and Db Retail Asset Credit Centre Chickmagalur branch

Once you have an account at State Bank of India – R AND DB RETAIL ASSET CREDIT CENTRE CHICKMAGALUR, the IFSC SBIN0063080 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 R and Db Retail Asset Credit Centre Chickmagalur 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 SBIN0063080

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 SBIN0063080 and the account number together uniquely identify the R and Db Retail Asset Credit Centre Chickmagalur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC SBIN0063080

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 RETAIL ASSET CREDIT CENTRE CHICKMAGALUR 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 SBIN0063080 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.

Common mistakes to avoid when using IFSC SBIN0063080

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 – R AND DB RETAIL ASSET CREDIT CENTRE CHICKMAGALUR, 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: SBIN0063080.
• 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.

Reaching the branch

The R and Db Retail Asset Credit Centre Chickmagalur branch sits at YASHORAM CHAMBERS, R G ROAD, CHIKMAGALUR BRANCH, CHIKMAGALUR 577101. If you are travelling from outside Chikkamagaluru, search for the branch on a maps application using the bank name and locality, or call 9448993113 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 SBIN0063080 and your account number.

Verifying IFSC SBIN0063080 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 SBIN0063080 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9448993113.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at R and Db Retail Asset Credit Centre Chickmagalur 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 SBIN0063080 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SBIN0063080 belongs to State Bank of India's R AND DB RETAIL ASSET CREDIT CENTRE CHICKMAGALUR branch, located at YASHORAM CHAMBERS, R G ROAD, CHIKMAGALUR BRANCH, CHIKMAGALUR 577101 in CHIKKAMAGALURU, KARNATAKA. 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.