Use this page as a one-stop reference for everything related to State Bank of India's CPPC LUCKNOW branch in HAZRATGANJ, UTTAR PRADESH. The branch's IFSC code SBIN0004474 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.
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 CPPC LUCKNOW branch, the IFSC SBIN0004474 breaks down as follows: SBIN identifies the bank, 0 is the reserved character, and 004474 identifies this particular branch.
About State Bank of India
State Bank of India operates a wide network of branches across India, including the Cppc Lucknow branch in Hazratganj. 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, SBIN0004474.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Cppc Lucknow |
| IFSC Code | SBIN0004474 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 24, M.G. MARGHALWASIYA COURT BLDGLAL BAUG |
| City | Hazratganj |
| District | Lucknow |
| State | Uttar Pradesh |
About this branch
The branch is located at 24, M.G. MARGHALWASIYA COURT BLDGLAL BAUG. It serves the Hazratganj region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of State Bank of India. The IFSC SBIN0004474 is used to identify this branch on the RBI payments network.
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 CPPC LUCKNOW of State Bank of India — its own 11-character IFSC. The code SBIN0004474 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 SBIN0004474 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Cppc Lucknow branch is mapped to IFSC SBIN0004474 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 SBIN0004474.
Products and services
Customers walking into the Cppc Lucknow 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 SBIN0004474
How to transfer money using IFSC SBIN0004474
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 SBIN0004474 across all three.
How to use IFSC SBIN0004474 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's CPPC LUCKNOW 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 SBIN0004474.
- Confirm the bank name auto-populates as State Bank of India and the branch as CPPC LUCKNOW.
- 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 CPPC LUCKNOW
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's CPPC LUCKNOW branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0004474 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to State Bank of India – CPPC LUCKNOW, use IMPS. With IFSC SBIN0004474 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 Cppc Lucknow
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 SBIN0004474:
- 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 CPPC LUCKNOW is still linked to IFSC SBIN0004474.
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 CPPC LUCKNOW branch, the IFSC SBIN0004474 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.
Online banking and IFSC SBIN0004474
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the CPPC LUCKNOW 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 SBIN0004474 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 Cppc Lucknow branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0004474 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 – CPPC LUCKNOW:
- The IFSC is exactly SBIN0004474 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 CPPC LUCKNOW 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.
Reaching the branch
The Cppc Lucknow branch sits at 24, M.G. MARGHALWASIYA COURT BLDGLAL BAUG. If you are travelling from outside Hazratganj, search for the branch on a maps application using the bank name and locality, or call the branch contact number to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC SBIN0004474 and your account number.
Verifying IFSC SBIN0004474 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 SBIN0004474 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Cppc Lucknow 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 SBIN0004474 continue to work without interruption.
Branch address & contact
State Bank of IndiaCppc Lucknow Branch
24, M.G. MARGHALWASIYA COURT BLDGLAL BAUG
Hazratganj, Uttar Pradesh
Phone: the branch contact number
IFSC: SBIN0004474
Frequently asked questions
How quickly will an NEFT transfer using SBIN0004474 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Cppc Lucknow reflect within 30 minutes.
How do I add State Bank of India Cppc Lucknow as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0004474, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC SBIN0004474 valid for NEFT and RTGS?
Yes. IFSC SBIN0004474 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC SBIN0004474 the same for all accounts at Cppc Lucknow branch?
Yes. The IFSC SBIN0004474 is shared by every account held at State Bank of India's Cppc Lucknow branch. Only the account number changes from customer to customer.
Can I use IFSC SBIN0004474 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0004474 to send funds instantly.
What is the phone number of State Bank of India Cppc Lucknow branch?
You can reach the branch at the branch contact number during regular banking hours.
Summary
The IFSC code SBIN0004474 belongs to State Bank of India's CPPC LUCKNOW branch, located at 24, M.G. MARGHALWASIYA COURT BLDGLAL BAUG in HAZRATGANJ, UTTAR 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.
