If you are searching for the IFSC code of State Bank of India, GARGAON ADB branch in GORGOAN, ASSAM, this page has every detail you need. The verified IFSC code for this branch is SBIN0007381. 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 GARGAON ADB branch, and detailed step-by-step guides for using the IFSC SBIN0007381 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.
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, SBIN0007381 is the IFSC of State Bank of India's GARGAON ADB branch. The format is fixed: SBIN = bank code, 0 = reserved, 007381 = 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 Gargaon ADB branch in Gorgoan, Assam is part of this network and uses the IFSC code SBIN0007381 for all electronic settlement.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Gargaon ADB |
| IFSC Code | SBIN0007381 |
| MICR Code | Refer to cheque leaf |
| Branch Address | POSIMOLUGURI, |
| City | Gorgoan |
| District | Sibsagar |
| State | Assam |
| STD Code | 0 |
| Phone | 0 |
Gargaon ADB branch overview
Located at POSIMOLUGURI,, the Gargaon ADB branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0007381 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 GARGAON ADB of State Bank of India — its own 11-character IFSC. The code SBIN0007381 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 SBIN0007381 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Gargaon ADB branch
Once you have an account at State Bank of India – GARGAON ADB, the IFSC SBIN0007381 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 Gargaon ADB 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 SBIN0007381
How to transfer money using IFSC SBIN0007381
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 SBIN0007381 across all three.
How to use IFSC SBIN0007381 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's GARGAON ADB 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 SBIN0007381.
- Confirm the bank name auto-populates as State Bank of India and the branch as GARGAON ADB.
- 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 GARGAON ADB
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's GARGAON ADB branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0007381 while initiating the transfer and the credit will appear within minutes.
IMPS to State Bank of India GARGAON ADB (IFSC SBIN0007381)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0007381 in your mobile or internet banking app, and the money is credited to the GARGAON ADB branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Gargaon ADB
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 SBIN0007381:
- 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 GARGAON ADB is still linked to IFSC SBIN0007381.
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.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at State Bank of India's GARGAON ADB branch, the IFSC SBIN0007381 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Digital banking channels
Most day-to-day work that customers used to do at the Gargaon ADB 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 SBIN0007381 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.
MICR & cheque-truncation details
Cheques drawn on the Gargaon ADB branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0007381 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – GARGAON ADB:
- The IFSC is exactly SBIN0007381 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 GARGAON ADB 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 Gargaon ADB branch
The branch is located at POSIMOLUGURI,, which puts it inside Gorgoan, the broader Sibsagar district, and the state of Assam. To plan your visit:
- Open Google Maps on your phone and search for “State Bank of India Gargaon ADB branch” — the verified location pin for IFSC SBIN0007381 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 SBIN0007381 and your account number.
Verifying IFSC SBIN0007381 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 SBIN0007381 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.
Working hours
Branch counters at Gargaon ADB 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 SBIN0007381 continue to work without interruption.
Branch address & contact
State Bank of IndiaGargaon ADB Branch
POSIMOLUGURI,
Gorgoan, Assam
Phone: 0
IFSC: SBIN0007381
Frequently asked questions
How quickly will an NEFT transfer using SBIN0007381 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Gargaon ADB reflect within 30 minutes.
Is IFSC SBIN0007381 valid for NEFT and RTGS?
Yes. IFSC SBIN0007381 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add State Bank of India Gargaon ADB as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0007381, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of State Bank of India Gargaon ADB branch?
The IFSC code of State Bank of India, Gargaon ADB branch is SBIN0007381. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC SBIN0007381 the same for all accounts at Gargaon ADB branch?
Yes. The IFSC SBIN0007381 is shared by every account held at State Bank of India's Gargaon ADB branch. Only the account number changes from customer to customer.
Can I use IFSC SBIN0007381 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0007381 to send funds instantly.
Where is State Bank of India Gargaon ADB branch located?
State Bank of India's Gargaon ADB branch is located at POSIMOLUGURI,, Gorgoan, Assam.
Does State Bank of India Gargaon ADB branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 0 to confirm.
Summary
The IFSC code SBIN0007381 belongs to State Bank of India's GARGAON ADB branch, located at POSIMOLUGURI, in GORGOAN, ASSAM. 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.
