Use this page as a one-stop reference for everything related to State Bank of India's MAKDUMPUR branch in MALDA, WEST BENGAL. The branch's IFSC code SBIN0014547 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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 MAKDUMPUR branch, the IFSC SBIN0014547 breaks down as follows: SBIN identifies the bank, 0 is the reserved character, and 014547 identifies this particular branch.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Makdumpur |
| IFSC Code | SBIN0014547 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BIPIN GHOSH ROAD, P.O MUKDUMPUR, MALDA 732103 |
| City | Malda |
| District | Malda |
| State | West Bengal |
Bank profile
State Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Makdumpur branch — IFSC SBIN0014547 — extends the bank's services to customers in and around Malda, West Bengal.
About the Makdumpur branch
The Makdumpur branch of State Bank of India is situated at BIPIN GHOSH ROAD, P.O MUKDUMPUR, MALDA 732103. 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 SBIN0014547 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 MAKDUMPUR of State Bank of India — its own 11-character IFSC. The code SBIN0014547 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 SBIN0014547 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC SBIN0014547
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 SBIN0014547 across all three.
How to use IFSC SBIN0014547 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's MAKDUMPUR 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 SBIN0014547.
- Confirm the bank name auto-populates as State Bank of India and the branch as MAKDUMPUR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to MAKDUMPUR
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's MAKDUMPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0014547 while initiating the transfer and the credit will appear within minutes.
IMPS to State Bank of India MAKDUMPUR (IFSC SBIN0014547)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0014547 in your mobile or internet banking app, and the money is credited to the MAKDUMPUR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SBIN0014547 for State Bank of India – MAKDUMPUR, 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 – SBIN0014547 | Yes – SBIN0014547 | Yes – SBIN0014547 |
For most retail customers crediting the Makdumpur 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.
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 MAKDUMPUR branch, the IFSC SBIN0014547 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 Makdumpur branch is mapped to IFSC SBIN0014547 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 SBIN0014547.
Banking services available
The Makdumpur 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 SBIN0014547
MICR & cheque-truncation details
Cheques drawn on the Makdumpur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0014547 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Makdumpur 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 SBIN0014547 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.
Common mistakes to avoid when using IFSC SBIN0014547
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 – MAKDUMPUR, 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:
SBIN0014547. - 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.
Reaching the branch
The Makdumpur branch sits at BIPIN GHOSH ROAD, P.O MUKDUMPUR, MALDA 732103. If you are travelling from outside Malda, 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 SBIN0014547 and your account number.
Verifying IFSC SBIN0014547 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 SBIN0014547 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.
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 Makdumpur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0014547, however, work 24x7.
Branch address & contact
State Bank of IndiaMakdumpur Branch
BIPIN GHOSH ROAD, P.O MUKDUMPUR, MALDA 732103
Malda, West Bengal
Phone: the branch contact number
IFSC: SBIN0014547
Frequently asked questions
Where is State Bank of India Makdumpur branch located?
State Bank of India's Makdumpur branch is located at BIPIN GHOSH ROAD, P.O MUKDUMPUR, MALDA 732103, Malda, West Bengal.
Is IFSC SBIN0014547 valid for NEFT and RTGS?
Yes. IFSC SBIN0014547 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does State Bank of India Makdumpur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Is IFSC SBIN0014547 the same for all accounts at Makdumpur branch?
Yes. The IFSC SBIN0014547 is shared by every account held at State Bank of India's Makdumpur branch. Only the account number changes from customer to customer.
How do I add State Bank of India Makdumpur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0014547, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of State Bank of India Makdumpur branch?
You can reach the branch at the branch contact number during regular banking hours.
How quickly will an NEFT transfer using SBIN0014547 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Makdumpur reflect within 30 minutes.
Can I use IFSC SBIN0014547 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0014547 to send funds instantly.
Summary
The IFSC code SBIN0014547 belongs to State Bank of India's MAKDUMPUR branch, located at BIPIN GHOSH ROAD, P.O MUKDUMPUR, MALDA 732103 in MALDA, WEST BENGAL. 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.
