IFSC Code of State Bank of India, R and Db Retail Asset Credit Centre Gadag Branch, Karnataka

Below are the complete branch details for State Bank of India, R AND DB RETAIL ASSET CREDIT CENTRE GADAG branch, located in GADAG, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0063075. 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 SBIN0063075 for State Bank of India – R AND DB RETAIL ASSET CREDIT CENTRE GADAG — 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 – R AND DB RETAIL ASSET CREDIT CENTRE GADAG is SBIN0063075. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 063075 map to this branch in GADAG, KARNATAKA.

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 Retail Asset Credit Centre Gadag branch in Gadag, Karnataka is part of this network and uses the IFSC code SBIN0063075 for all electronic settlement.

About the R and Db Retail Asset Credit Centre Gadag branch

The R and Db Retail Asset Credit Centre Gadag branch of State Bank of India is situated at P.B.NO.1, APMC YARD, 101, GADAG BRANCH, DIST GADAG, KARNATAKA 582101. 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 SBIN0063075 is used.

Branch details at a glance

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 R AND DB RETAIL ASSET CREDIT CENTRE GADAG branch came to be assigned the code SBIN0063075.

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 SBIN0063075, money simply cannot be routed to the R AND DB RETAIL ASSET CREDIT CENTRE GADAG branch electronically.

MICR & cheque-truncation details

Cheques drawn on the R and Db Retail Asset Credit Centre Gadag branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0063075 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 SBIN0063075

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 SBIN0063075 across all three.

How to use IFSC SBIN0063075 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 RETAIL ASSET CREDIT CENTRE GADAG 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 SBIN0063075.
4. Confirm the bank name auto-populates as State Bank of India and the branch as R AND DB RETAIL ASSET CREDIT CENTRE GADAG.
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 SBIN0063075

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 RETAIL ASSET CREDIT CENTRE GADAG, ensure your bank's portal accepts IFSC SBIN0063075 while registering the beneficiary. RTGS is also available 24x7.

IMPS to State Bank of India R AND DB RETAIL ASSET CREDIT CENTRE GADAG (IFSC SBIN0063075)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0063075 in your mobile or internet banking app, and the money is credited to the R AND DB RETAIL ASSET CREDIT CENTRE GADAG branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to R and Db Retail Asset Credit Centre Gadag

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 SBIN0063075:

• 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 R AND DB RETAIL ASSET CREDIT CENTRE GADAG is still linked to IFSC SBIN0063075.

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 SBIN0063075

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 – R AND DB RETAIL ASSET CREDIT CENTRE GADAG is still mapped to IFSC SBIN0063075. 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 SBIN0063075 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the R and Db Retail Asset Credit Centre Gadag branch is mapped to IFSC SBIN0063075 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 SBIN0063075.

Banking services available

The R and Db Retail Asset Credit Centre Gadag branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9448993113.

• 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 SBIN0063075

Digital banking channels

Most day-to-day work that customers used to do at the R and Db Retail Asset Credit Centre Gadag 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 SBIN0063075 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.

How to reach the R and Db Retail Asset Credit Centre Gadag branch

The branch is located at P.B.NO.1, APMC YARD, 101, GADAG BRANCH, DIST GADAG, KARNATAKA 582101, which puts it inside Gadag, the broader Gadag district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “State Bank of India R and Db Retail Asset Credit Centre Gadag branch” — the verified location pin for IFSC SBIN0063075 should appear at the top of the results.
2. Confirm the branch is open by calling 9448993113 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 SBIN0063075 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 – R AND DB RETAIL ASSET CREDIT CENTRE GADAG:

• The IFSC is exactly SBIN0063075 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 RETAIL ASSET CREDIT CENTRE GADAG 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 R and Db Retail Asset Credit Centre Gadag 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 SBIN0063075 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SBIN0063075 for State Bank of India – R AND DB RETAIL ASSET CREDIT CENTRE GADAG, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Final notes

To recap: SBIN0063075 is the IFSC code of State Bank of India, R AND DB RETAIL ASSET CREDIT CENTRE GADAG branch, in GADAG, KARNATAKA. 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.