Below are the complete branch details for State Bank of India, HIRA NAGAR branch, located in KATHUA, JAMMU AND KASHMIR. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0011892. 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 SBIN0011892 for State Bank of India – HIRA NAGAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, SBIN0011892 is the IFSC of State Bank of India's HIRA NAGAR branch. The format is fixed: SBIN = bank code, 0 = reserved, 011892 = branch identifier.
Bank profile
State Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Hira Nagar branch — IFSC SBIN0011892 — extends the bank's services to customers in and around Kathua, Jammu and Kashmir.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Hira Nagar |
| IFSC Code | SBIN0011892 |
| MICR Code | Refer to cheque leaf |
| Branch Address | OPP. FOREST DEPT MAIN CHOWK,HIRA NAGAR,DISTKATHUA 184142 |
| City | Kathua |
| District | Kathua |
| State | Jammu and Kashmir |
Hira Nagar branch overview
Located at OPP. FOREST DEPT MAIN CHOWK,HIRA NAGAR,DISTKATHUA 184142, the Hira Nagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0011892 is required for all interbank electronic transfers routed through this branch.
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 HIRA NAGAR branch came to be assigned the code SBIN0011892.
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 SBIN0011892, money simply cannot be routed to the HIRA NAGAR branch electronically.
Products and account variants supported
Every account opened at the Hira Nagar branch is mapped to IFSC SBIN0011892 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 SBIN0011892.
Banking services available
The Hira Nagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- 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 SBIN0011892
How to transfer money using IFSC SBIN0011892
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 SBIN0011892 across all three.
NEFT to State Bank of India, HIRA NAGAR using IFSC SBIN0011892
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 SBIN0011892, and confirm that the system picks up State Bank of India – HIRA NAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC SBIN0011892
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 – HIRA NAGAR, ensure your bank's portal accepts IFSC SBIN0011892 while registering the beneficiary. RTGS is also available 24x7.
IMPS to State Bank of India HIRA NAGAR (IFSC SBIN0011892)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0011892 in your mobile or internet banking app, and the money is credited to the HIRA NAGAR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SBIN0011892 for State Bank of India – HIRA NAGAR, 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 – SBIN0011892 | Yes – SBIN0011892 | Yes – SBIN0011892 |
For most retail customers crediting the Hira Nagar 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 SBIN0011892
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 – HIRA NAGAR is still mapped to IFSC SBIN0011892. 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 SBIN0011892 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Hira Nagar 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 SBIN0011892 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 & cheque-truncation details
Cheques drawn on the Hira Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0011892 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 – HIRA NAGAR:
- The IFSC is exactly SBIN0011892 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 HIRA NAGAR 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 Hira Nagar branch sits at OPP. FOREST DEPT MAIN CHOWK,HIRA NAGAR,DISTKATHUA 184142. If you are travelling from outside Kathua, 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 SBIN0011892 and your account number.
Verifying IFSC SBIN0011892 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 SBIN0011892 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.
Working hours
Branch counters at Hira Nagar 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 SBIN0011892 continue to work without interruption.
Branch address & contact
State Bank of IndiaHira Nagar Branch
OPP. FOREST DEPT MAIN CHOWK,HIRA NAGAR,DISTKATHUA 184142
Kathua, Jammu and Kashmir
Phone: the branch contact number
IFSC: SBIN0011892
Frequently asked questions
Where is State Bank of India Hira Nagar branch located?
State Bank of India's Hira Nagar branch is located at OPP. FOREST DEPT MAIN CHOWK,HIRA NAGAR,DISTKATHUA 184142, Kathua, Jammu and Kashmir.
What is the phone number of State Bank of India Hira Nagar branch?
You can reach the branch at the branch contact number during regular banking hours.
Is IFSC SBIN0011892 valid for NEFT and RTGS?
Yes. IFSC SBIN0011892 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using SBIN0011892 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Hira Nagar reflect within 30 minutes.
What is the IFSC code of State Bank of India Hira Nagar branch?
The IFSC code of State Bank of India, Hira Nagar branch is SBIN0011892. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add State Bank of India Hira Nagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0011892, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC SBIN0011892 the same for all accounts at Hira Nagar branch?
Yes. The IFSC SBIN0011892 is shared by every account held at State Bank of India's Hira Nagar branch. Only the account number changes from customer to customer.
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 Hira Nagar branch but serve different purposes.
Summary
The IFSC code SBIN0011892 belongs to State Bank of India's HIRA NAGAR branch, located at OPP. FOREST DEPT MAIN CHOWK,HIRA NAGAR,DISTKATHUA 184142 in KATHUA, JAMMU AND KASHMIR. 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.
More Articles for IFSC Code
IFSC Code of Zila Sahakri Bank Limited Ghaziabad, Loni Branch, Uttar Pradesh
