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

If you are searching for the IFSC code of State Bank of India, R AND DB RACC KRISHNAGAR branch in KRISHNAGAR, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is SBIN0062985. 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 KRISHNAGAR branch, and detailed step-by-step guides for using the IFSC SBIN0062985 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 KRISHNAGAR is SBIN0062985. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 062985 map to this branch in KRISHNAGAR, WEST BENGAL.

Branch details at a glance

About State Bank of India

State Bank of India operates a wide network of branches across India, including the R and Db Racc Krishnagar branch in Krishnagar. 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, SBIN0062985.

R and Db Racc Krishnagar branch overview

Located at 1ST FLOOR, 5B D L ROY ROAD, KRISHNAGAR, DIST NADIA, WEST BENGAL- 741101, the R and Db Racc Krishnagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0062985 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 R AND DB RACC KRISHNAGAR branch came to be assigned the code SBIN0062985.

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 SBIN0062985, money simply cannot be routed to the R AND DB RACC KRISHNAGAR branch electronically.

How to transfer money using IFSC SBIN0062985

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 SBIN0062985 across all three.

NEFT to State Bank of India, R AND DB RACC KRISHNAGAR using IFSC SBIN0062985

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 SBIN0062985, and confirm that the system picks up State Bank of India – R AND DB RACC KRISHNAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to R AND DB RACC KRISHNAGAR

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's R AND DB RACC KRISHNAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0062985 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to State Bank of India – R AND DB RACC KRISHNAGAR, use IMPS. With IFSC SBIN0062985 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to R and Db Racc 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 SBIN0062985:

• 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 R AND DB RACC KRISHNAGAR is still linked to IFSC SBIN0062985.

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.

UPI payments and IFSC SBIN0062985

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 KRISHNAGAR is still mapped to IFSC SBIN0062985. 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 SBIN0062985 and the beneficiary's account number to complete the transfer.

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

Once you have an account at State Bank of India – R AND DB RACC KRISHNAGAR, the IFSC SBIN0062985 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.

Banking services available

The R and Db Racc Krishnagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8420090717.

• 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 SBIN0062985

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 SBIN0062985 and the account number together uniquely identify the R and Db Racc Krishnagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the R and Db Racc 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 SBIN0062985 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 – R AND DB RACC KRISHNAGAR:

• The IFSC is exactly SBIN0062985 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 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.

How to reach the R and Db Racc Krishnagar branch

The branch is located at 1ST FLOOR, 5B D L ROY ROAD, KRISHNAGAR, DIST NADIA, WEST BENGAL- 741101, which puts it inside Krishnagar, the broader Krishnagar 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 Krishnagar branch” — the verified location pin for IFSC SBIN0062985 should appear at the top of the results.
2. Confirm the branch is open by calling 8420090717 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 SBIN0062985 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SBIN0062985 for State Bank of India – R AND DB RACC 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 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 R and Db Racc Krishnagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0062985, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: SBIN0062985 is the IFSC code of State Bank of India, R AND DB RACC 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.