IFSC Code of State Bank of India, Smeccc, Cuttack Branch, Odisha

This page lists the IFSC code, branch address, contact number and fund-transfer information for State Bank of India, SMECCC, CUTTACK branch in CUTTACK. The 11-digit IFSC SBIN0005043 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 SMECCC, CUTTACK 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.

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, SBIN0005043 is the IFSC of State Bank of India's SMECCC, CUTTACK branch. The format is fixed: SBIN = bank code, 0 = reserved, 005043 = branch identifier.

About State Bank of India

State Bank of India operates a wide network of branches across India, including the Smeccc, Cuttack branch in Cuttack. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, SBIN0005043.

Branch details at a glance

About the Smeccc, Cuttack branch

The Smeccc, Cuttack branch of State Bank of India is situated at 1ST FLOOR CUTTACK CITY BR ,COLLEGE SQUARE, DIST CUTTACK, STATE ORISSA PIN 753003. 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 SBIN0005043 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 SMECCC, CUTTACK branch came to be assigned the code SBIN0005043.

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 SBIN0005043, money simply cannot be routed to the SMECCC, CUTTACK branch electronically.

Account types you can open at the Smeccc, Cuttack branch

Once you have an account at State Bank of India – SMECCC, CUTTACK, the IFSC SBIN0005043 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 Smeccc, Cuttack 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 SBIN0005043

How to transfer money using IFSC SBIN0005043

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 SBIN0005043 across all three.

NEFT to State Bank of India, SMECCC, CUTTACK using IFSC SBIN0005043

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 SBIN0005043, and confirm that the system picks up State Bank of India – SMECCC, CUTTACK. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SMECCC, CUTTACK

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's SMECCC, CUTTACK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0005043 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 – SMECCC, CUTTACK, use IMPS. With IFSC SBIN0005043 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 SBIN0005043 for State Bank of India – SMECCC, CUTTACK, 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 Smeccc, Cuttack 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 SBIN0005043

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 – SMECCC, CUTTACK is still mapped to IFSC SBIN0005043. 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 SBIN0005043 and the beneficiary's account number to complete the transfer.

Online banking and IFSC SBIN0005043

State Bank of India customers can register for net banking and the bank's official mobile app once their account at the SMECCC, CUTTACK 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 SBIN0005043 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.

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 SBIN0005043 and the account number together uniquely identify the Smeccc, Cuttack branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – SMECCC, CUTTACK:

• The IFSC is exactly SBIN0005043 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 SMECCC, CUTTACK 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 Smeccc, Cuttack branch

The branch is located at 1ST FLOOR CUTTACK CITY BR ,COLLEGE SQUARE, DIST CUTTACK, STATE ORISSA PIN 753003, which puts it inside Cuttack, the broader Cuttack district, and the state of Odisha. To plan your visit:

1. Open Google Maps on your phone and search for “State Bank of India Smeccc, Cuttack branch” — the verified location pin for IFSC SBIN0005043 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 SBIN0005043 and your account number.

Verifying IFSC SBIN0005043 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 SBIN0005043 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on the branch contact number.
• 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 Smeccc, Cuttack branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0005043, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SBIN0005043 belongs to State Bank of India's SMECCC, CUTTACK branch, located at 1ST FLOOR CUTTACK CITY BR ,COLLEGE SQUARE, DIST CUTTACK, STATE ORISSA PIN … in CUTTACK, ODISHA. 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.