Below are the complete branch details for State Bank of India, CAC-KARNAZORA branch, located in DHARAMPUR, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0018584. 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 SBIN0018584 for State Bank of India – CAC-KARNAZORA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for State Bank of India – CAC-KARNAZORA is SBIN0018584. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 018584 map to this branch in DHARAMPUR, WEST BENGAL.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Cac-Karnazora |
| IFSC Code | SBIN0018584 |
| MICR Code | Refer to cheque leaf |
| Branch Address | CURRENCY ADMINISTRATIVE CELL, STATE BANK BUILDING, KARNAJORA, DIST.UTTAR DINAJPUR, WEST BENGAL-733130 |
| City | Dharampur |
| District | Uttar Dinajpur |
| State | West Bengal |
| Phone | 8001672678 |
About State Bank of India
State Bank of India operates a wide network of branches across India, including the Cac-Karnazora branch in Dharampur. 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, SBIN0018584.
About the Cac-Karnazora branch
The Cac-Karnazora branch of State Bank of India is situated at CURRENCY ADMINISTRATIVE CELL, STATE BANK BUILDING, KARNAJORA, DIST.UTTAR DINAJPUR, WEST BENGAL-733130. 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 SBIN0018584 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 CAC-KARNAZORA of State Bank of India — its own 11-character IFSC. The code SBIN0018584 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 SBIN0018584 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 SBIN0018584
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 SBIN0018584 across all three.
How to use IFSC SBIN0018584 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's CAC-KARNAZORA 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 SBIN0018584.
- Confirm the bank name auto-populates as State Bank of India and the branch as CAC-KARNAZORA.
- 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 CAC-KARNAZORA
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's CAC-KARNAZORA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0018584 while initiating the transfer and the credit will appear within minutes.
IMPS to State Bank of India CAC-KARNAZORA (IFSC SBIN0018584)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0018584 in your mobile or internet banking app, and the money is credited to the CAC-KARNAZORA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Cac-Karnazora
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC SBIN0018584:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at CAC-KARNAZORA is still linked to IFSC SBIN0018584.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
UPI payments and IFSC SBIN0018584
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 – CAC-KARNAZORA is still mapped to IFSC SBIN0018584. 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 SBIN0018584 and the beneficiary's account number to complete the transfer.
Account types you can open at the Cac-Karnazora branch
Once you have an account at State Bank of India – CAC-KARNAZORA, the IFSC SBIN0018584 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 Cac-Karnazora 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 SBIN0018584
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 SBIN0018584 and the account number together uniquely identify the Cac-Karnazora branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Cac-Karnazora 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 SBIN0018584 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.
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 – CAC-KARNAZORA:
- The IFSC is exactly SBIN0018584 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 CAC-KARNAZORA 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.
Reaching the branch
The Cac-Karnazora branch sits at CURRENCY ADMINISTRATIVE CELL, STATE BANK BUILDING, KARNAJORA, DIST.UTTAR DINAJPUR, WEST BENGAL-733130. If you are travelling from outside Dharampur, search for the branch on a maps application using the bank name and locality, or call 8001672678 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 SBIN0018584 and your account number.
Verifying IFSC SBIN0018584 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 SBIN0018584 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8001672678.
- 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 Cac-Karnazora branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0018584, however, work 24x7.
Branch address & contact
State Bank of IndiaCac-Karnazora Branch
CURRENCY ADMINISTRATIVE CELL, STATE BANK BUILDING, KARNAJORA, DIST.UTTAR DINAJPUR, WEST BENGAL-733130
Dharampur, West Bengal
Phone: 8001672678
IFSC: SBIN0018584
Frequently asked questions
Where is State Bank of India Cac-Karnazora branch located?
State Bank of India's Cac-Karnazora branch is located at CURRENCY ADMINISTRATIVE CELL, STATE BANK BUILDING, KARNAJORA, DIST.UTTAR DINAJPUR, WEST BENGAL-733130, Dharampur, West Bengal.
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 Cac-Karnazora branch but serve different purposes.
What is the phone number of State Bank of India Cac-Karnazora branch?
You can reach the branch at 8001672678 during regular banking hours.
What is the IFSC code of State Bank of India Cac-Karnazora branch?
The IFSC code of State Bank of India, Cac-Karnazora branch is SBIN0018584. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC SBIN0018584 valid for NEFT and RTGS?
Yes. IFSC SBIN0018584 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add State Bank of India Cac-Karnazora as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0018584, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: SBIN0018584 is the IFSC code of State Bank of India, CAC-KARNAZORA branch, in DHARAMPUR, 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.
