Use this page as a one-stop reference for everything related to State Bank of India's CHHARAYAL branch in HALDWANI, ANDHRA PRADESH. The branch's IFSC code SBIN0064805 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.
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, SBIN0064805 is the IFSC of State Bank of India's CHHARAYAL branch. The format is fixed: SBIN = bank code, 0 = reserved, 064805 = 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 Chharayal branch in Haldwani, Andhra Pradesh is part of this network and uses the IFSC code SBIN0064805 for all electronic settlement.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Chharayal |
| IFSC Code | SBIN0064805 |
| MICR Code | Refer to cheque leaf |
| Branch Address | CHHARAYAL,GAS GODAM ROAD,CHHARAYAL,DISTRICT NAINITAL 263139 |
| City | Haldwani |
| District | Haldwani |
| State | Andhra Pradesh |
| Phone | 9810107927 |
About the Chharayal branch
The Chharayal branch of State Bank of India is situated at CHHARAYAL,GAS GODAM ROAD,CHHARAYAL,DISTRICT NAINITAL 263139. 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 SBIN0064805 is used.
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 CHHARAYAL branch came to be assigned the code SBIN0064805.
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 SBIN0064805, money simply cannot be routed to the CHHARAYAL branch electronically.
Account types you can open at the Chharayal branch
Once you have an account at State Bank of India – CHHARAYAL, the IFSC SBIN0064805 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.
Banking services available
The Chharayal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9810107927.
- 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 SBIN0064805
How to transfer money using IFSC SBIN0064805
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 SBIN0064805 across all three.
How to use IFSC SBIN0064805 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's CHHARAYAL 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 SBIN0064805.
- Confirm the bank name auto-populates as State Bank of India and the branch as CHHARAYAL.
- 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 CHHARAYAL
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's CHHARAYAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0064805 while initiating the transfer and the credit will appear within minutes.
IMPS to State Bank of India CHHARAYAL (IFSC SBIN0064805)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0064805 in your mobile or internet banking app, and the money is credited to the CHHARAYAL branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SBIN0064805 for State Bank of India – CHHARAYAL, 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 – SBIN0064805 | Yes – SBIN0064805 | Yes – SBIN0064805 |
For most retail customers crediting the Chharayal 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 SBIN0064805
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 – CHHARAYAL is still mapped to IFSC SBIN0064805. 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 SBIN0064805 and the beneficiary's account number to complete the transfer.
Online banking and IFSC SBIN0064805
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the CHHARAYAL 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 SBIN0064805 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.
MICR & cheque-truncation details
Cheques drawn on the Chharayal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0064805 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 – CHHARAYAL:
- The IFSC is exactly SBIN0064805 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 CHHARAYAL 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 Chharayal branch
The branch is located at CHHARAYAL,GAS GODAM ROAD,CHHARAYAL,DISTRICT NAINITAL 263139, which puts it inside Haldwani, the broader Haldwani district, and the state of Andhra Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “State Bank of India Chharayal branch” — the verified location pin for IFSC SBIN0064805 should appear at the top of the results.
- Confirm the branch is open by calling 9810107927 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 SBIN0064805 and your account number.
Verifying IFSC SBIN0064805 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 SBIN0064805 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 9810107927.
- 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 Chharayal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0064805, however, work 24x7.
Branch address & contact
State Bank of IndiaChharayal Branch
CHHARAYAL,GAS GODAM ROAD,CHHARAYAL,DISTRICT NAINITAL 263139
Haldwani, Andhra Pradesh
Phone: 9810107927
IFSC: SBIN0064805
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 Chharayal branch but serve different purposes.
How quickly will an NEFT transfer using SBIN0064805 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Chharayal reflect within 30 minutes.
How do I add State Bank of India Chharayal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0064805, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of State Bank of India Chharayal branch?
You can reach the branch at 9810107927 during regular banking hours.
Is IFSC SBIN0064805 valid for NEFT and RTGS?
Yes. IFSC SBIN0064805 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is State Bank of India Chharayal branch located?
State Bank of India's Chharayal branch is located at CHHARAYAL,GAS GODAM ROAD,CHHARAYAL,DISTRICT NAINITAL 263139, Haldwani, Andhra Pradesh.
Can I use IFSC SBIN0064805 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0064805 to send funds instantly.
Final notes
To recap: SBIN0064805 is the IFSC code of State Bank of India, CHHARAYAL branch, in HALDWANI, ANDHRA PRADESH. 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.
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