This page lists the IFSC code, branch address, contact number and fund-transfer information for State Bank of India, SPBB-HOWRAH branch in HOWRAH. The 11-digit IFSC SBIN0018127 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with State Bank of India at the SPBB-HOWRAH location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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, SBIN0018127 is the IFSC of State Bank of India's SPBB-HOWRAH branch. The format is fixed: SBIN = bank code, 0 = reserved, 018127 = branch identifier.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Spbb-Howrah |
| IFSC Code | SBIN0018127 |
| MICR Code | Refer to cheque leaf |
| Branch Address | G.T. ROAD, SOUTH, HOWRAH MAIDAN, HOWRAH, DIST.HOWRAH, WEST BENGAL-711101 |
| City | Howrah |
| District | Haora |
| State | West Bengal |
| Phone | 9674713870 |
About State Bank of India
State Bank of India operates a wide network of branches across India, including the Spbb-Howrah 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, SBIN0018127.
About this branch
The branch is located at G.T. ROAD, SOUTH, HOWRAH MAIDAN, HOWRAH, DIST.HOWRAH, WEST BENGAL-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 SBIN0018127 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 SPBB-HOWRAH of State Bank of India — its own 11-character IFSC. The code SBIN0018127 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 SBIN0018127 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 SBIN0018127
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 SBIN0018127 across all three.
NEFT to State Bank of India, SPBB-HOWRAH using IFSC SBIN0018127
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 SBIN0018127, and confirm that the system picks up State Bank of India – SPBB-HOWRAH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to SPBB-HOWRAH
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's SPBB-HOWRAH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0018127 while initiating the transfer and the credit will appear within minutes.
IMPS to State Bank of India SPBB-HOWRAH (IFSC SBIN0018127)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0018127 in your mobile or internet banking app, and the money is credited to the SPBB-HOWRAH branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Spbb-Howrah
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 SBIN0018127:
- 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 SPBB-HOWRAH is still linked to IFSC SBIN0018127.
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 SPBB-HOWRAH branch, the IFSC SBIN0018127 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.
Products and account variants supported
Every account opened at the Spbb-Howrah branch is mapped to IFSC SBIN0018127 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 SBIN0018127.
Banking services available
The Spbb-Howrah branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9674713870.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC SBIN0018127
MICR & cheque-truncation details
Cheques drawn on the Spbb-Howrah branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0018127 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 Spbb-Howrah 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 SBIN0018127 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.
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 – SPBB-HOWRAH:
- The IFSC is exactly SBIN0018127 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 SPBB-HOWRAH 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 Spbb-Howrah branch
The branch is located at G.T. ROAD, SOUTH, HOWRAH MAIDAN, HOWRAH, DIST.HOWRAH, WEST BENGAL-711101, which puts it inside Howrah, the broader Haora district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “State Bank of India Spbb-Howrah branch” — the verified location pin for IFSC SBIN0018127 should appear at the top of the results.
- Confirm the branch is open by calling 9674713870 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 SBIN0018127 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC SBIN0018127 for State Bank of India – SPBB-HOWRAH, 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 Spbb-Howrah branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0018127, however, work 24x7.
Branch address & contact
State Bank of IndiaSpbb-Howrah Branch
G.T. ROAD, SOUTH, HOWRAH MAIDAN, HOWRAH, DIST.HOWRAH, WEST BENGAL-711101
Howrah, West Bengal
Phone: 9674713870
IFSC: SBIN0018127
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 Spbb-Howrah branch but serve different purposes.
How quickly will an NEFT transfer using SBIN0018127 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Spbb-Howrah reflect within 30 minutes.
Where is State Bank of India Spbb-Howrah branch located?
State Bank of India's Spbb-Howrah branch is located at G.T. ROAD, SOUTH, HOWRAH MAIDAN, HOWRAH, DIST.HOWRAH, WEST BENGAL-711101, Howrah, West Bengal.
What is the phone number of State Bank of India Spbb-Howrah branch?
You can reach the branch at 9674713870 during regular banking hours.
Can I use IFSC SBIN0018127 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0018127 to send funds instantly.
Does State Bank of India Spbb-Howrah branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 9674713870 to confirm.
How do I add State Bank of India Spbb-Howrah as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0018127, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code SBIN0018127 belongs to State Bank of India's SPBB-HOWRAH branch, located at G.T. ROAD, SOUTH, HOWRAH MAIDAN, HOWRAH, DIST.HOWRAH, WEST BENGAL-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.
