IFSC Code of State Bank of India, R and Db Racc Hamirpur Branch, Himachal Pradesh

Below are the complete branch details for State Bank of India, R AND DB RACC HAMIRPUR branch, located in HAMIRPUR, HIMACHAL PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0063498. 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 SBIN0063498 for State Bank of India – R AND DB RACC HAMIRPUR — 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 RACC HAMIRPUR is SBIN0063498. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 063498 map to this branch in HAMIRPUR, HIMACHAL PRADESH.

Branch details at a glance

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 Racc Hamirpur branch in Hamirpur, Himachal Pradesh is part of this network and uses the IFSC code SBIN0063498 for all electronic settlement.

About the R and Db Racc Hamirpur branch

The R and Db Racc Hamirpur branch of State Bank of India is situated at RACC HAMIRPUR,MAIN BAZAR HAMIRPUR,DISTT HAMIRPUR.H.P.177001. 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 SBIN0063498 is used.

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 R AND DB RACC HAMIRPUR of State Bank of India — its own 11-character IFSC. The code SBIN0063498 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 SBIN0063498 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 SBIN0063498

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 SBIN0063498 across all three.

NEFT to State Bank of India, R AND DB RACC HAMIRPUR using IFSC SBIN0063498

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 SBIN0063498, and confirm that the system picks up State Bank of India – R AND DB RACC HAMIRPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SBIN0063498

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 RACC HAMIRPUR, ensure your bank's portal accepts IFSC SBIN0063498 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to State Bank of India – R AND DB RACC HAMIRPUR, use IMPS. With IFSC SBIN0063498 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to R and Db Racc Hamirpur

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 SBIN0063498:

• 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 RACC HAMIRPUR is still linked to IFSC SBIN0063498.

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 SBIN0063498

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 RACC HAMIRPUR is still mapped to IFSC SBIN0063498. 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 SBIN0063498 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the R and Db Racc Hamirpur branch is mapped to IFSC SBIN0063498 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 SBIN0063498.

Products and services

Customers walking into the R and Db Racc Hamirpur 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 SBIN0063498

MICR & cheque-truncation details

Cheques drawn on the R and Db Racc Hamirpur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0063498 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 R and Db Racc Hamirpur 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 SBIN0063498 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.

Common mistakes to avoid when using IFSC SBIN0063498

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to State Bank of India – R AND DB RACC HAMIRPUR, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: SBIN0063498.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the R and Db Racc Hamirpur branch

The branch is located at RACC HAMIRPUR,MAIN BAZAR HAMIRPUR,DISTT HAMIRPUR.H.P.177001, which puts it inside Hamirpur, the broader Hamirpur district, and the state of Himachal Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “State Bank of India R and Db Racc Hamirpur branch” — the verified location pin for IFSC SBIN0063498 should appear at the top of the results.
2. Confirm the branch is open by calling 7087412285 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 SBIN0063498 and your account number.

Verifying IFSC SBIN0063498 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 SBIN0063498 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 7087412285.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at R and Db Racc Hamirpur 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 SBIN0063498 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SBIN0063498 belongs to State Bank of India's R AND DB RACC HAMIRPUR branch, located at RACC HAMIRPUR,MAIN BAZAR HAMIRPUR,DISTT HAMIRPUR.H.P.177001 in HAMIRPUR, 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.