This page lists the IFSC code, branch address, contact number and fund-transfer information for State Bank of India, DERGAON branch in DERGAON. The 11-digit IFSC SBIN0002048 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 DERGAON 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, SBIN0002048 is the IFSC of State Bank of India's DERGAON branch. The format is fixed: SBIN = bank code, 0 = reserved, 002048 = branch identifier.
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 Dergaon branch in Dergaon, Assam is part of this network and uses the IFSC code SBIN0002048 for all electronic settlement.
Dergaon branch overview
Located at DIST GOLAGHAT, ASSAM 785614, the Dergaon branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0002048 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Dergaon |
| IFSC Code | SBIN0002048 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DIST GOLAGHAT, ASSAM 785614 |
| City | Dergaon |
| District | Golaghat |
| State | Assam |
| STD Code | 0 |
| Phone | 0 |
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 DERGAON branch came to be assigned the code SBIN0002048.
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 SBIN0002048, money simply cannot be routed to the DERGAON branch electronically.
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 SBIN0002048 and the account number together uniquely identify the Dergaon branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC SBIN0002048
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 SBIN0002048 across all three.
NEFT to State Bank of India, DERGAON using IFSC SBIN0002048
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 SBIN0002048, and confirm that the system picks up State Bank of India – DERGAON. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to DERGAON
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's DERGAON branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0002048 while initiating the transfer and the credit will appear within minutes.
IMPS to State Bank of India DERGAON (IFSC SBIN0002048)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0002048 in your mobile or internet banking app, and the money is credited to the DERGAON branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SBIN0002048 for State Bank of India – DERGAON, 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 – SBIN0002048 | Yes – SBIN0002048 | Yes – SBIN0002048 |
For most retail customers crediting the Dergaon 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 SBIN0002048
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 – DERGAON is still mapped to IFSC SBIN0002048. 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 SBIN0002048 and the beneficiary's account number to complete the transfer.
Account types you can open at the Dergaon branch
Once you have an account at State Bank of India – DERGAON, the IFSC SBIN0002048 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 Dergaon 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 SBIN0002048
Online banking and IFSC SBIN0002048
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the DERGAON 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 SBIN0002048 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.
How to reach the Dergaon branch
The branch is located at DIST GOLAGHAT, ASSAM 785614, which puts it inside Dergaon, the broader Golaghat district, and the state of Assam. To plan your visit:
- Open Google Maps on your phone and search for “State Bank of India Dergaon branch” — the verified location pin for IFSC SBIN0002048 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 SBIN0002048 and your account number.
Common mistakes to avoid when using IFSC SBIN0002048
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 – DERGAON, 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:
SBIN0002048. - 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.
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 Dergaon branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0002048, however, work 24x7.
Verifying IFSC SBIN0002048 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 SBIN0002048 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 address & contact
State Bank of IndiaDergaon Branch
DIST GOLAGHAT, ASSAM 785614
Dergaon, Assam
Phone: 0
IFSC: SBIN0002048
Frequently asked questions
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 Dergaon branch but serve different purposes.
Is IFSC SBIN0002048 the same for all accounts at Dergaon branch?
Yes. The IFSC SBIN0002048 is shared by every account held at State Bank of India's Dergaon branch. Only the account number changes from customer to customer.
Is IFSC SBIN0002048 valid for NEFT and RTGS?
Yes. IFSC SBIN0002048 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does State Bank of India Dergaon branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 0 to confirm.
Can I use IFSC SBIN0002048 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0002048 to send funds instantly.
How quickly will an NEFT transfer using SBIN0002048 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Dergaon reflect within 30 minutes.
How do I add State Bank of India Dergaon as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0002048, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: SBIN0002048 is the IFSC code of State Bank of India, DERGAON branch, in DERGAON, ASSAM. 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.
