Use this page as a one-stop reference for everything related to State Bank of India's DHILWAN branch in DHILWAN, PUNJAB. The branch's IFSC code SBIN0050454 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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 DHILWAN branch, the IFSC SBIN0050454 breaks down as follows: SBIN identifies the bank, 0 is the reserved character, and 050454 identifies this particular branch.
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 Dhilwan branch in Dhilwan, Punjab is part of this network and uses the IFSC code SBIN0050454 for all electronic settlement.
Dhilwan branch overview
Located at VPODHILWAN DISTTKAPURTHALA, the Dhilwan branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0050454 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Dhilwan |
| IFSC Code | SBIN0050454 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VPODHILWAN DISTTKAPURTHALA |
| City | Dhilwan |
| District | Kapurthala |
| State | Punjab |
| Phone | 273573 |
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 DHILWAN of State Bank of India — its own 11-character IFSC. The code SBIN0050454 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 SBIN0050454 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Dhilwan branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0050454 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC SBIN0050454
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 SBIN0050454 across all three.
NEFT to State Bank of India, DHILWAN using IFSC SBIN0050454
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 SBIN0050454, and confirm that the system picks up State Bank of India – DHILWAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to DHILWAN
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's DHILWAN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0050454 while initiating the transfer and the credit will appear within minutes.
IMPS to State Bank of India DHILWAN (IFSC SBIN0050454)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0050454 in your mobile or internet banking app, and the money is credited to the DHILWAN branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SBIN0050454 for State Bank of India – DHILWAN, 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 – SBIN0050454 | Yes – SBIN0050454 | Yes – SBIN0050454 |
For most retail customers crediting the Dhilwan 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 SBIN0050454
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 – DHILWAN is still mapped to IFSC SBIN0050454. 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 SBIN0050454 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Dhilwan branch is mapped to IFSC SBIN0050454 on the RBI payments network. The branch generally supports the full retail product catalogue of State Bank of India, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains SBIN0050454.
Banking services available
The Dhilwan branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 273573.
- 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 SBIN0050454
Online banking and IFSC SBIN0050454
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the DHILWAN 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 SBIN0050454 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 Dhilwan branch
The branch is located at VPODHILWAN DISTTKAPURTHALA, which puts it inside Dhilwan, the broader Kapurthala district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “State Bank of India Dhilwan branch” — the verified location pin for IFSC SBIN0050454 should appear at the top of the results.
- Confirm the branch is open by calling 273573 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 SBIN0050454 and your account number.
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 – DHILWAN:
- The IFSC is exactly SBIN0050454 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 DHILWAN 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.
Working hours
Branch counters at Dhilwan 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 SBIN0050454 continue to work without interruption.
Verifying IFSC SBIN0050454 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 SBIN0050454 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 273573.
- Visiting the bank's official branch locator page.
Branch address & contact
State Bank of IndiaDhilwan Branch
VPODHILWAN DISTTKAPURTHALA
Dhilwan, Punjab
Phone: 273573
IFSC: SBIN0050454
Frequently asked questions
Can I use IFSC SBIN0050454 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0050454 to send funds instantly.
Does State Bank of India Dhilwan branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 273573 to confirm.
How quickly will an NEFT transfer using SBIN0050454 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Dhilwan reflect within 30 minutes.
Is IFSC SBIN0050454 the same for all accounts at Dhilwan branch?
Yes. The IFSC SBIN0050454 is shared by every account held at State Bank of India's Dhilwan branch. Only the account number changes from customer to customer.
Is IFSC SBIN0050454 valid for NEFT and RTGS?
Yes. IFSC SBIN0050454 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is State Bank of India Dhilwan branch located?
State Bank of India's Dhilwan branch is located at VPODHILWAN DISTTKAPURTHALA, Dhilwan, Punjab.
Summary
The IFSC code SBIN0050454 belongs to State Bank of India's DHILWAN branch, located at VPODHILWAN DISTTKAPURTHALA in DHILWAN, PUNJAB. 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.
