If you are searching for the IFSC code of State Bank of India, R AND DB RACC KHANNA branch in KHANNA, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is SBIN0063431. 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 R AND DB RACC KHANNA branch, and detailed step-by-step guides for using the IFSC SBIN0063431 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.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for State Bank of India – R AND DB RACC KHANNA is SBIN0063431. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 063431 map to this branch in KHANNA, PUNJAB.
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 Khanna branch in Khanna, Punjab is part of this network and uses the IFSC code SBIN0063431 for all electronic settlement.
About the R and Db Racc Khanna branch
The R and Db Racc Khanna branch of State Bank of India is situated at STATE BANK OF INDIA R AND DB RACC KHANNA LAHERI CHOWK, KHANNA-141401. 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 SBIN0063431 is used.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | R and Db Racc Khanna |
| IFSC Code | SBIN0063431 |
| MICR Code | Refer to cheque leaf |
| Branch Address | STATE BANK OF INDIA R AND DB RACC KHANNA LAHERI CHOWK, KHANNA-141401 |
| City | Khanna |
| District | Khanna |
| State | Punjab |
| Phone | 9988342673 |
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 KHANNA branch came to be assigned the code SBIN0063431.
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 SBIN0063431, money simply cannot be routed to the R AND DB RACC KHANNA branch electronically.
MICR & cheque-truncation details
Cheques drawn on the R and Db Racc Khanna branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0063431 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC SBIN0063431
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 SBIN0063431 across all three.
NEFT to State Bank of India, R AND DB RACC KHANNA using IFSC SBIN0063431
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 SBIN0063431, and confirm that the system picks up State Bank of India – R AND DB RACC KHANNA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC SBIN0063431
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 KHANNA, ensure your bank's portal accepts IFSC SBIN0063431 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 – R AND DB RACC KHANNA, use IMPS. With IFSC SBIN0063431 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 SBIN0063431 for State Bank of India – R AND DB RACC KHANNA, 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 – SBIN0063431 | Yes – SBIN0063431 | Yes – SBIN0063431 |
For most retail customers crediting the R and Db Racc Khanna 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 SBIN0063431
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 KHANNA is still mapped to IFSC SBIN0063431. 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 SBIN0063431 and the beneficiary's account number to complete the transfer.
Account types you can open at the R and Db Racc Khanna branch
Once you have an account at State Bank of India – R AND DB RACC KHANNA, the IFSC SBIN0063431 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 Khanna 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 SBIN0063431
Online banking and IFSC SBIN0063431
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 KHANNA 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 SBIN0063431 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.
Reaching the branch
The R and Db Racc Khanna branch sits at STATE BANK OF INDIA R AND DB RACC KHANNA LAHERI CHOWK, KHANNA-141401. If you are travelling from outside Khanna, search for the branch on a maps application using the bank name and locality, or call 9988342673 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 SBIN0063431 and your account number.
Common mistakes to avoid when using IFSC SBIN0063431
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to State Bank of India – R AND DB RACC KHANNA, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
SBIN0063431. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Working hours
Branch counters at R and Db Racc Khanna 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 SBIN0063431 continue to work without interruption.
Verifying IFSC SBIN0063431 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 SBIN0063431 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 9988342673.
- Visiting the bank's official branch locator page.
Branch address & contact
State Bank of IndiaR and Db Racc Khanna Branch
STATE BANK OF INDIA R AND DB RACC KHANNA LAHERI CHOWK, KHANNA-141401
Khanna, Punjab
Phone: 9988342673
IFSC: SBIN0063431
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 R and Db Racc Khanna branch but serve different purposes.
Can I use IFSC SBIN0063431 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0063431 to send funds instantly.
Where is State Bank of India R and Db Racc Khanna branch located?
State Bank of India's R and Db Racc Khanna branch is located at STATE BANK OF INDIA R AND DB RACC KHANNA LAHERI CHOWK, KHANNA-141401, Khanna, Punjab.
Is IFSC SBIN0063431 the same for all accounts at R and Db Racc Khanna branch?
Yes. The IFSC SBIN0063431 is shared by every account held at State Bank of India's R and Db Racc Khanna branch. Only the account number changes from customer to customer.
Is IFSC SBIN0063431 valid for NEFT and RTGS?
Yes. IFSC SBIN0063431 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of State Bank of India R and Db Racc Khanna branch?
The IFSC code of State Bank of India, R and Db Racc Khanna branch is SBIN0063431. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using SBIN0063431 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – R and Db Racc Khanna reflect within 30 minutes.
Does State Bank of India R and Db Racc Khanna branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 9988342673 to confirm.
Summary
The IFSC code SBIN0063431 belongs to State Bank of India's R AND DB RACC KHANNA branch, located at STATE BANK OF INDIA R AND DB RACC KHANNA LAHERI CHOWK, KHANNA-141401 in KHANNA, PUNJAB. 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.
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