If you are searching for the IFSC code of State Bank of India, KRISHNAGAR branch in KRISHNAGAR, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is SBIN0000122. 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 KRISHNAGAR branch, and detailed step-by-step guides for using the IFSC SBIN0000122 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.
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 KRISHNAGAR branch, the IFSC SBIN0000122 breaks down as follows: SBIN identifies the bank, 0 is the reserved character, and 000122 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 Krishnagar branch in Krishnagar, West Bengal is part of this network and uses the IFSC code SBIN0000122 for all electronic settlement.
About the Krishnagar branch
The Krishnagar branch of State Bank of India is situated at 5B, B.L.ROY RD., KRISHNAGAR, NADIA-741101. 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 SBIN0000122 is used.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Krishnagar |
| IFSC Code | SBIN0000122 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 5B, B.L.ROY RD., KRISHNAGAR, NADIA-741101 |
| City | Krishnagar |
| District | Nadia |
| State | West Bengal |
| STD Code | 0 |
| Phone | 0 |
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 KRISHNAGAR branch came to be assigned the code SBIN0000122.
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 SBIN0000122, money simply cannot be routed to the KRISHNAGAR branch electronically.
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 SBIN0000122 and the account number together uniquely identify the Krishnagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC SBIN0000122
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 SBIN0000122 across all three.
How to use IFSC SBIN0000122 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's KRISHNAGAR 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 SBIN0000122.
- Confirm the bank name auto-populates as State Bank of India and the branch as KRISHNAGAR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC SBIN0000122
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 – KRISHNAGAR, ensure your bank's portal accepts IFSC SBIN0000122 while registering the beneficiary. RTGS is also available 24x7.
IMPS to State Bank of India KRISHNAGAR (IFSC SBIN0000122)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0000122 in your mobile or internet banking app, and the money is credited to the KRISHNAGAR branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Krishnagar
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 SBIN0000122:
- 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 KRISHNAGAR is still linked to IFSC SBIN0000122.
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 KRISHNAGAR branch, the IFSC SBIN0000122 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 Krishnagar branch is mapped to IFSC SBIN0000122 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 SBIN0000122.
Products and services
Customers walking into the Krishnagar 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 SBIN0000122
Digital banking channels
Most day-to-day work that customers used to do at the Krishnagar 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 SBIN0000122 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.
Reaching the branch
The Krishnagar branch sits at 5B, B.L.ROY RD., KRISHNAGAR, NADIA-741101. If you are travelling from outside Krishnagar, search for the branch on a maps application using the bank name and locality, or call 0 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 SBIN0000122 and your account number.
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 – KRISHNAGAR:
- The IFSC is exactly SBIN0000122 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 KRISHNAGAR 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.
Working hours
Branch counters at Krishnagar 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 SBIN0000122 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC SBIN0000122 for State Bank of India – KRISHNAGAR, 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 address & contact
State Bank of IndiaKrishnagar Branch
5B, B.L.ROY RD., KRISHNAGAR, NADIA-741101
Krishnagar, West Bengal
Phone: 0
IFSC: SBIN0000122
Frequently asked questions
Where is State Bank of India Krishnagar branch located?
State Bank of India's Krishnagar branch is located at 5B, B.L.ROY RD., KRISHNAGAR, NADIA-741101, Krishnagar, West Bengal.
What is the phone number of State Bank of India Krishnagar branch?
You can reach the branch at 0 during regular banking hours.
How quickly will an NEFT transfer using SBIN0000122 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Krishnagar reflect within 30 minutes.
How do I add State Bank of India Krishnagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0000122, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC SBIN0000122 the same for all accounts at Krishnagar branch?
Yes. The IFSC SBIN0000122 is shared by every account held at State Bank of India's Krishnagar branch. Only the account number changes from customer to customer.
Can I use IFSC SBIN0000122 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0000122 to send funds instantly.
Does State Bank of India Krishnagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 0 to confirm.
Final notes
To recap: SBIN0000122 is the IFSC code of State Bank of India, KRISHNAGAR branch, in KRISHNAGAR, WEST BENGAL. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
