IFSC Code of State Bank of India, Vikas Nagar, Kusmunda Branch, Chhattisgarh

Below are the complete branch details for State Bank of India, VIKAS NAGAR, KUSMUNDA branch, located in KUSMUNDA, CHHATTISGARH. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0018775. 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 SBIN0018775 for State Bank of India – VIKAS NAGAR, KUSMUNDA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – VIKAS NAGAR, KUSMUNDA is SBIN0018775. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 018775 map to this branch in KUSMUNDA, CHHATTISGARH.

About State Bank of India

State Bank of India operates a wide network of branches across India, including the Vikas Nagar, Kusmunda branch in Kusmunda. 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, SBIN0018775.

Branch details at a glance

About the Vikas Nagar, Kusmunda branch

The Vikas Nagar, Kusmunda branch of State Bank of India is situated at VIKAS NAGAR, KUSMUNDA, DISTT.KORBA. CHHATTISGARH-495454. 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 SBIN0018775 is used.

Why every State Bank of India branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including VIKAS NAGAR, KUSMUNDA of State Bank of India — its own 11-character IFSC. The code SBIN0018775 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC SBIN0018775 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Vikas Nagar, Kusmunda branch is mapped to IFSC SBIN0018775 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 SBIN0018775.

Products and services

Customers walking into the Vikas Nagar, Kusmunda 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 SBIN0018775

How to transfer money using IFSC SBIN0018775

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 SBIN0018775 across all three.

NEFT to State Bank of India, VIKAS NAGAR, KUSMUNDA using IFSC SBIN0018775

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 SBIN0018775, and confirm that the system picks up State Bank of India – VIKAS NAGAR, KUSMUNDA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to VIKAS NAGAR, KUSMUNDA

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's VIKAS NAGAR, KUSMUNDA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0018775 while initiating the transfer and the credit will appear within minutes.

IMPS to State Bank of India VIKAS NAGAR, KUSMUNDA (IFSC SBIN0018775)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0018775 in your mobile or internet banking app, and the money is credited to the VIKAS NAGAR, KUSMUNDA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Vikas Nagar, Kusmunda

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 SBIN0018775:

• 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 VIKAS NAGAR, KUSMUNDA is still linked to IFSC SBIN0018775.

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 SBIN0018775

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 – VIKAS NAGAR, KUSMUNDA is still mapped to IFSC SBIN0018775. 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 SBIN0018775 and the beneficiary's account number to complete the transfer.

Online banking and IFSC SBIN0018775

State Bank of India customers can register for net banking and the bank's official mobile app once their account at the VIKAS NAGAR, KUSMUNDA 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 SBIN0018775 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 & cheque-truncation details

Cheques drawn on the Vikas Nagar, Kusmunda branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0018775 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 – VIKAS NAGAR, KUSMUNDA:

• The IFSC is exactly SBIN0018775 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 VIKAS NAGAR, KUSMUNDA 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 Vikas Nagar, Kusmunda branch

The branch is located at VIKAS NAGAR, KUSMUNDA, DISTT.KORBA. CHHATTISGARH-495454, which puts it inside Kusmunda, the broader Korba district, and the state of Chhattisgarh. To plan your visit:

1. Open Google Maps on your phone and search for “State Bank of India Vikas Nagar, Kusmunda branch” — the verified location pin for IFSC SBIN0018775 should appear at the top of the results.
2. Confirm the branch is open by calling 9425535953 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 SBIN0018775 and your account number.

Verifying IFSC SBIN0018775 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 SBIN0018775 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9425535953.
• Visiting the bank's official branch locator page.

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 Vikas Nagar, Kusmunda branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0018775, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SBIN0018775 belongs to State Bank of India's VIKAS NAGAR, KUSMUNDA branch, located at VIKAS NAGAR, KUSMUNDA, DISTT.KORBA. CHHATTISGARH-495454 in KUSMUNDA, CHHATTISGARH. 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.