IFSC Code of State Bank of India, Howrah Railway Station Branch, West Bengal

If you are searching for the IFSC code of State Bank of India, HOWRAH RAILWAY STATION branch in HOWRAH, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is SBIN0005702. 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 HOWRAH RAILWAY STATION branch, and detailed step-by-step guides for using the IFSC SBIN0005702 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.

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 HOWRAH RAILWAY STATION branch, the IFSC SBIN0005702 breaks down as follows: SBIN identifies the bank, 0 is the reserved character, and 005702 identifies this particular branch.

About State Bank of India

State Bank of India operates a wide network of branches across India, including the Howrah Railway Station branch in Howrah. 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, SBIN0005702.

Branch details at a glance

About this branch

The branch is located at DIST HOWRAHSTATE WEST BENGALPIN 711101. It serves the Howrah 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 SBIN0005702 is used to identify this branch on the RBI payments network.

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 HOWRAH RAILWAY STATION branch came to be assigned the code SBIN0005702.

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 SBIN0005702, money simply cannot be routed to the HOWRAH RAILWAY STATION branch electronically.

Products and account variants supported

Every account opened at the Howrah Railway Station branch is mapped to IFSC SBIN0005702 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 SBIN0005702.

Products and services

Customers walking into the Howrah Railway Station 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 SBIN0005702

How to transfer money using IFSC SBIN0005702

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 SBIN0005702 across all three.

NEFT to State Bank of India, HOWRAH RAILWAY STATION using IFSC SBIN0005702

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 SBIN0005702, and confirm that the system picks up State Bank of India – HOWRAH RAILWAY STATION. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to HOWRAH RAILWAY STATION

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's HOWRAH RAILWAY STATION branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0005702 while initiating the transfer and the credit will appear within minutes.

IMPS to State Bank of India HOWRAH RAILWAY STATION (IFSC SBIN0005702)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0005702 in your mobile or internet banking app, and the money is credited to the HOWRAH RAILWAY STATION branch account within seconds.

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

All three modes accept the IFSC SBIN0005702 for State Bank of India – HOWRAH RAILWAY STATION, 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 Howrah Railway Station 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.

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 HOWRAH RAILWAY STATION branch, the IFSC SBIN0005702 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 Howrah Railway Station 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 SBIN0005702 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 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 SBIN0005702 and the account number together uniquely identify the Howrah Railway Station 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 – HOWRAH RAILWAY STATION:

• The IFSC is exactly SBIN0005702 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 HOWRAH RAILWAY STATION 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 Howrah Railway Station branch

The branch is located at DIST HOWRAHSTATE WEST BENGALPIN 711101, which puts it inside Howrah, the broader Howrah district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “State Bank of India Howrah Railway Station branch” — the verified location pin for IFSC SBIN0005702 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 SBIN0005702 and your account number.

Verifying IFSC SBIN0005702 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 SBIN0005702 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.

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 Howrah Railway Station branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0005702, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SBIN0005702 belongs to State Bank of India's HOWRAH RAILWAY STATION branch, located at DIST HOWRAHSTATE WEST BENGALPIN 711101 in HOWRAH, WEST BENGAL. 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.