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

Below are the complete branch details for State Bank of India, R AND DB RACC COOCH BEHAR branch, located in COOCH BEHAR, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0063004. 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 SBIN0063004 for State Bank of India – R AND DB RACC COOCH BEHAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, SBIN0063004 is the IFSC of State Bank of India's R AND DB RACC COOCH BEHAR branch. The format is fixed: SBIN = bank code, 0 = reserved, 063004 = branch identifier.

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 R and Db Racc Cooch Behar branch in Cooch Behar, West Bengal is part of this network and uses the IFSC code SBIN0063004 for all electronic settlement.

About the R and Db Racc Cooch Behar branch

The R and Db Racc Cooch Behar branch of State Bank of India is situated at SBI COOCH BEHAR, SAGARDIGHI SQUARE, DIST COOCH BEHAR, WEST BENGAL - 736101. 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 SBIN0063004 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 COOCH BEHAR of State Bank of India — its own 11-character IFSC. The code SBIN0063004 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 SBIN0063004 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 SBIN0063004

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 SBIN0063004 across all three.

How to use IFSC SBIN0063004 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's R AND DB RACC COOCH BEHAR 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 SBIN0063004.
4. Confirm the bank name auto-populates as State Bank of India and the branch as R AND DB RACC COOCH BEHAR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC SBIN0063004

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 COOCH BEHAR, ensure your bank's portal accepts IFSC SBIN0063004 while registering the beneficiary. RTGS is also available 24x7.

IMPS to State Bank of India R AND DB RACC COOCH BEHAR (IFSC SBIN0063004)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0063004 in your mobile or internet banking app, and the money is credited to the R AND DB RACC COOCH BEHAR branch account within seconds.

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

All three modes accept the IFSC SBIN0063004 for State Bank of India – R AND DB RACC COOCH BEHAR, 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 Racc Cooch Behar 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 R AND DB RACC COOCH BEHAR branch, the IFSC SBIN0063004 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.

Account types you can open at the R and Db Racc Cooch Behar branch

Once you have an account at State Bank of India – R AND DB RACC COOCH BEHAR, the IFSC SBIN0063004 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 Racc Cooch Behar 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 SBIN0063004

MICR & cheque-truncation details

Cheques drawn on the R and Db Racc Cooch Behar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0063004 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC SBIN0063004

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 COOCH BEHAR 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 SBIN0063004 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 COOCH BEHAR:

• The IFSC is exactly SBIN0063004 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 COOCH BEHAR 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 R and Db Racc Cooch Behar branch

The branch is located at SBI COOCH BEHAR, SAGARDIGHI SQUARE, DIST COOCH BEHAR, WEST BENGAL - 736101, which puts it inside Cooch Behar, the broader Cooch Behar 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 R and Db Racc Cooch Behar branch” — the verified location pin for IFSC SBIN0063004 should appear at the top of the results.
2. Confirm the branch is open by calling 8001178012 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 SBIN0063004 and your account number.

Verifying IFSC SBIN0063004 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 SBIN0063004 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8001178012.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at R and Db Racc Cooch Behar 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 SBIN0063004 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SBIN0063004 is the IFSC code of State Bank of India, R AND DB RACC COOCH BEHAR branch, in COOCH BEHAR, 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.