Use this page as a one-stop reference for everything related to State Bank of India's SHALIMAR branch in HOWRAH, WEST BENGAL. The branch's IFSC code SBIN0003785 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, SBIN0003785 is the IFSC of State Bank of India's SHALIMAR branch. The format is fixed: SBIN = bank code, 0 = reserved, 003785 = branch identifier.
Bank profile
State Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Shalimar branch — IFSC SBIN0003785 — extends the bank's services to customers in and around Howrah, West Bengal.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Shalimar |
| IFSC Code | SBIN0003785 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 38912,G.T.ROADS,HOWRAH,PIN.711101 |
| City | Howrah |
| District | Howrah |
| State | West Bengal |
About this branch
The branch is located at 38912,G.T.ROADS,HOWRAH,PIN.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 SBIN0003785 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 SHALIMAR branch came to be assigned the code SBIN0003785.
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 SBIN0003785, money simply cannot be routed to the SHALIMAR branch electronically.
Account types you can open at the Shalimar branch
Once you have an account at State Bank of India – SHALIMAR, the IFSC SBIN0003785 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.
Products and services
Customers walking into the Shalimar 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 SBIN0003785
How to transfer money using IFSC SBIN0003785
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 SBIN0003785 across all three.
How to use IFSC SBIN0003785 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's SHALIMAR 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 SBIN0003785.
- Confirm the bank name auto-populates as State Bank of India and the branch as SHALIMAR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC SBIN0003785
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 – SHALIMAR, ensure your bank's portal accepts IFSC SBIN0003785 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 – SHALIMAR, use IMPS. With IFSC SBIN0003785 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 SBIN0003785 for State Bank of India – SHALIMAR, 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 – SBIN0003785 | Yes – SBIN0003785 | Yes – SBIN0003785 |
For most retail customers crediting the Shalimar 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 SHALIMAR branch, the IFSC SBIN0003785 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 SBIN0003785
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the SHALIMAR 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 SBIN0003785 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 Shalimar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0003785 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 – SHALIMAR:
- The IFSC is exactly SBIN0003785 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 SHALIMAR 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 Shalimar branch
The branch is located at 38912,G.T.ROADS,HOWRAH,PIN.711101, which puts it inside Howrah, the broader Howrah district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “State Bank of India Shalimar branch” — the verified location pin for IFSC SBIN0003785 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number 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 SBIN0003785 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC SBIN0003785 for State Bank of India – SHALIMAR, 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.
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 Shalimar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0003785, however, work 24x7.
Branch address & contact
State Bank of IndiaShalimar Branch
38912,G.T.ROADS,HOWRAH,PIN.711101
Howrah, West Bengal
Phone: the branch contact number
IFSC: SBIN0003785
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 Shalimar branch but serve different purposes.
How quickly will an NEFT transfer using SBIN0003785 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Shalimar reflect within 30 minutes.
Is IFSC SBIN0003785 the same for all accounts at Shalimar branch?
Yes. The IFSC SBIN0003785 is shared by every account held at State Bank of India's Shalimar branch. Only the account number changes from customer to customer.
What is the phone number of State Bank of India Shalimar branch?
You can reach the branch at the branch contact number during regular banking hours.
What is the IFSC code of State Bank of India Shalimar branch?
The IFSC code of State Bank of India, Shalimar branch is SBIN0003785. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add State Bank of India Shalimar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0003785, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is State Bank of India Shalimar branch located?
State Bank of India's Shalimar branch is located at 38912,G.T.ROADS,HOWRAH,PIN.711101, Howrah, West Bengal.
Does State Bank of India Shalimar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Summary
The IFSC code SBIN0003785 belongs to State Bank of India's SHALIMAR branch, located at 38912,G.T.ROADS,HOWRAH,PIN.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.
