IFSC Code of State Bank of India, R and Db Racc Jhargram Branch, West Bengal

Below are the complete branch details for State Bank of India, R AND DB RACC JHARGRAM branch, located in JHARGRAM, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0062992. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case SBIN0062992 for State Bank of India – R AND DB RACC JHARGRAM — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 R AND DB RACC JHARGRAM branch, the IFSC SBIN0062992 breaks down as follows: SBIN identifies the bank, 0 is the reserved character, and 062992 identifies this particular branch.

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 R and Db Racc Jhargram branch in Jhargram, West Bengal is part of this network and uses the IFSC code SBIN0062992 for all electronic settlement.

Branch details at a glance

About the R and Db Racc Jhargram branch

The R and Db Racc Jhargram branch of State Bank of India is situated at JHARGRAM, DIST JHARGRAM, WEST BENGAL - 721507. 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 SBIN0062992 is used.

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 R AND DB RACC JHARGRAM branch came to be assigned the code SBIN0062992.

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 SBIN0062992, money simply cannot be routed to the R AND DB RACC JHARGRAM branch electronically.

Account types you can open at the R and Db Racc Jhargram branch

Once you have an account at State Bank of India – R AND DB RACC JHARGRAM, the IFSC SBIN0062992 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 R and Db Racc Jhargram 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 SBIN0062992

How to transfer money using IFSC SBIN0062992

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 SBIN0062992 across all three.

NEFT to State Bank of India, R AND DB RACC JHARGRAM using IFSC SBIN0062992

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 SBIN0062992, and confirm that the system picks up State Bank of India – R AND DB RACC JHARGRAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SBIN0062992

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 – R AND DB RACC JHARGRAM, ensure your bank's portal accepts IFSC SBIN0062992 while registering the beneficiary. RTGS is also available 24x7.

IMPS to State Bank of India R AND DB RACC JHARGRAM (IFSC SBIN0062992)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0062992 in your mobile or internet banking app, and the money is credited to the R AND DB RACC JHARGRAM branch account within seconds.

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

All three modes accept the IFSC SBIN0062992 for State Bank of India – R AND DB RACC JHARGRAM, 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 R and Db Racc Jhargram 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 SBIN0062992

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 – R AND DB RACC JHARGRAM is still mapped to IFSC SBIN0062992. 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 SBIN0062992 and the beneficiary's account number to complete the transfer.

Online banking and IFSC SBIN0062992

State Bank of India customers can register for net banking and the bank's official mobile app once their account at the R AND DB RACC JHARGRAM 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 SBIN0062992 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 SBIN0062992 and the account number together uniquely identify the R and Db Racc Jhargram 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 – R AND DB RACC JHARGRAM:

• The IFSC is exactly SBIN0062992 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 R AND DB RACC JHARGRAM 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 R and Db Racc Jhargram branch

The branch is located at JHARGRAM, DIST JHARGRAM, WEST BENGAL - 721507, which puts it inside Jhargram, the broader Jhargram 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 R and Db Racc Jhargram branch” — the verified location pin for IFSC SBIN0062992 should appear at the top of the results.
2. Confirm the branch is open by calling 8001134443 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 SBIN0062992 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SBIN0062992 for State Bank of India – R AND DB RACC JHARGRAM, 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 R and Db Racc Jhargram 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 SBIN0062992 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SBIN0062992 belongs to State Bank of India's R AND DB RACC JHARGRAM branch, located at JHARGRAM, DIST JHARGRAM, WEST BENGAL - 721507 in JHARGRAM, 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.