IFSC Code of State Bank of India, Regional Business Office, Hoshiarpur Branch, Punjab

If you are searching for the IFSC code of State Bank of India, REGIONAL BUSINESS OFFICE, HOSHIARPUR branch in HOSHIARPUR, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is SBIN0005203. 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 REGIONAL BUSINESS OFFICE, HOSHIARPUR branch, and detailed step-by-step guides for using the IFSC SBIN0005203 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, SBIN0005203 is the IFSC of State Bank of India's REGIONAL BUSINESS OFFICE, HOSHIARPUR branch. The format is fixed: SBIN = bank code, 0 = reserved, 005203 = 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 Regional Business Office, Hoshiarpur branch in Hoshiarpur, Punjab is part of this network and uses the IFSC code SBIN0005203 for all electronic settlement.

Branch details at a glance

About the Regional Business Office, Hoshiarpur branch

The Regional Business Office, Hoshiarpur branch of State Bank of India is situated at J.P. COMPLEX, SUTHERI ROAD, HOSHIARPUR, PUNJAB146001. 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 SBIN0005203 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 REGIONAL BUSINESS OFFICE, HOSHIARPUR of State Bank of India — its own 11-character IFSC. The code SBIN0005203 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 SBIN0005203 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 Regional Business Office, Hoshiarpur branch is mapped to IFSC SBIN0005203 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 SBIN0005203.

Products and services

Customers walking into the Regional Business Office, Hoshiarpur 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 SBIN0005203

How to transfer money using IFSC SBIN0005203

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 SBIN0005203 across all three.

NEFT to State Bank of India, REGIONAL BUSINESS OFFICE, HOSHIARPUR using IFSC SBIN0005203

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 SBIN0005203, and confirm that the system picks up State Bank of India – REGIONAL BUSINESS OFFICE, HOSHIARPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SBIN0005203

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 – REGIONAL BUSINESS OFFICE, HOSHIARPUR, ensure your bank's portal accepts IFSC SBIN0005203 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 – REGIONAL BUSINESS OFFICE, HOSHIARPUR, use IMPS. With IFSC SBIN0005203 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC SBIN0005203 for State Bank of India – REGIONAL BUSINESS OFFICE, HOSHIARPUR, 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.

For most retail customers crediting the Regional Business Office, Hoshiarpur 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 SBIN0005203

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 – REGIONAL BUSINESS OFFICE, HOSHIARPUR is still mapped to IFSC SBIN0005203. 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 SBIN0005203 and the beneficiary's account number to complete the transfer.

Online banking and IFSC SBIN0005203

State Bank of India customers can register for net banking and the bank's official mobile app once their account at the REGIONAL BUSINESS OFFICE, HOSHIARPUR 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 SBIN0005203 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 code & cheque clearing

Apart from IFSC, every cheque book issued by State Bank of India carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC SBIN0005203 and the account number together uniquely identify the Regional Business Office, Hoshiarpur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – REGIONAL BUSINESS OFFICE, HOSHIARPUR:

• The IFSC is exactly SBIN0005203 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 REGIONAL BUSINESS OFFICE, HOSHIARPUR 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 Regional Business Office, Hoshiarpur branch sits at J.P. COMPLEX, SUTHERI ROAD, HOSHIARPUR, PUNJAB146001. If you are travelling from outside Hoshiarpur, 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 SBIN0005203 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SBIN0005203 for State Bank of India – REGIONAL BUSINESS OFFICE, HOSHIARPUR, 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.

Working hours

Branch counters at Regional Business Office, Hoshiarpur 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 SBIN0005203 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SBIN0005203 belongs to State Bank of India's REGIONAL BUSINESS OFFICE, HOSHIARPUR branch, located at J.P. COMPLEX, SUTHERI ROAD, HOSHIARPUR, PUNJAB146001 in HOSHIARPUR, PUNJAB. 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.