If you are searching for the IFSC code of State Bank of India, GAUDA branch in GAUDA, HIMACHAL PRADESH, this page has every detail you need. The verified IFSC code for this branch is SBIN0050554. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the GAUDA branch, and detailed step-by-step guides for using the IFSC SBIN0050554 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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 GAUDA branch, the IFSC SBIN0050554 breaks down as follows: SBIN identifies the bank, 0 is the reserved character, and 050554 identifies this particular branch.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Gauda |
| IFSC Code | SBIN0050554 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VPO GAURA TEH KANDAGHAT 173221 |
| City | Gauda |
| District | Solan |
| State | Himachal Pradesh |
| Phone | 251377 |
About State Bank of India
State Bank of India operates a wide network of branches across India, including the Gauda branch in Gauda. 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, SBIN0050554.
Gauda branch overview
Located at VPO GAURA TEH KANDAGHAT 173221, the Gauda branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0050554 is required for all interbank electronic transfers routed through this branch.
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 GAUDA of State Bank of India — its own 11-character IFSC. The code SBIN0050554 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 SBIN0050554 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 SBIN0050554
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 SBIN0050554 across all three.
NEFT to State Bank of India, GAUDA using IFSC SBIN0050554
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 SBIN0050554, and confirm that the system picks up State Bank of India – GAUDA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC SBIN0050554
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 – GAUDA, ensure your bank's portal accepts IFSC SBIN0050554 while registering the beneficiary. RTGS is also available 24x7.
IMPS to State Bank of India GAUDA (IFSC SBIN0050554)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0050554 in your mobile or internet banking app, and the money is credited to the GAUDA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SBIN0050554 for State Bank of India – GAUDA, 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 – SBIN0050554 | Yes – SBIN0050554 | Yes – SBIN0050554 |
For most retail customers crediting the Gauda 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 SBIN0050554
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 – GAUDA is still mapped to IFSC SBIN0050554. 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 SBIN0050554 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Gauda branch is mapped to IFSC SBIN0050554 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 SBIN0050554.
Products and services
Customers walking into the Gauda 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 SBIN0050554
MICR & cheque-truncation details
Cheques drawn on the Gauda branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0050554 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Gauda 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 SBIN0050554 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 – GAUDA:
- The IFSC is exactly SBIN0050554 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 GAUDA 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 Gauda branch
The branch is located at VPO GAURA TEH KANDAGHAT 173221, which puts it inside Gauda, the broader Solan district, and the state of Himachal Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “State Bank of India Gauda branch” — the verified location pin for IFSC SBIN0050554 should appear at the top of the results.
- Confirm the branch is open by calling 251377 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 SBIN0050554 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC SBIN0050554 for State Bank of India – GAUDA, 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 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 Gauda branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0050554, however, work 24x7.
Branch address & contact
State Bank of IndiaGauda Branch
VPO GAURA TEH KANDAGHAT 173221
Gauda, Himachal Pradesh
Phone: 251377
IFSC: SBIN0050554
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 Gauda branch but serve different purposes.
What is the phone number of State Bank of India Gauda branch?
You can reach the branch at 251377 during regular banking hours.
How quickly will an NEFT transfer using SBIN0050554 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Gauda reflect within 30 minutes.
Can I use IFSC SBIN0050554 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0050554 to send funds instantly.
How do I add State Bank of India Gauda as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0050554, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC SBIN0050554 the same for all accounts at Gauda branch?
Yes. The IFSC SBIN0050554 is shared by every account held at State Bank of India's Gauda branch. Only the account number changes from customer to customer.
Summary
The IFSC code SBIN0050554 belongs to State Bank of India's GAUDA branch, located at VPO GAURA TEH KANDAGHAT 173221 in GAUDA, HIMACHAL PRADESH. 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.
