Use this page as a one-stop reference for everything related to State Bank of India's KALMEGHA BAZAR branch in MURSHIDABAD, WEST BENGAL. The branch's IFSC code SBIN0015048 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 KALMEGHA BAZAR branch, the IFSC SBIN0015048 breaks down as follows: SBIN identifies the bank, 0 is the reserved character, and 015048 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 Kalmegha Bazar branch in Murshidabad, West Bengal is part of this network and uses the IFSC code SBIN0015048 for all electronic settlement.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Kalmegha Bazar |
| IFSC Code | SBIN0015048 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILLAGEKALMEGHA BAZAR POBANSGARA DISTT MURSHIDABAD WEST BENGAL742148 |
| City | Murshidabad |
| District | Murshidabad |
| State | West Bengal |
| STD Code | 22 |
| Phone | 9732430568 |
About the Kalmegha Bazar branch
The Kalmegha Bazar branch of State Bank of India is situated at VILLAGEKALMEGHA BAZAR POBANSGARA DISTT MURSHIDABAD WEST BENGAL742148. 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 SBIN0015048 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 KALMEGHA BAZAR of State Bank of India — its own 11-character IFSC. The code SBIN0015048 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 SBIN0015048 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 Kalmegha Bazar branch is mapped to IFSC SBIN0015048 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 SBIN0015048.
Banking services available
The Kalmegha Bazar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-9732430568.
- 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 SBIN0015048
How to transfer money using IFSC SBIN0015048
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 SBIN0015048 across all three.
How to use IFSC SBIN0015048 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's KALMEGHA BAZAR 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 SBIN0015048.
- Confirm the bank name auto-populates as State Bank of India and the branch as KALMEGHA BAZAR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC SBIN0015048
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 – KALMEGHA BAZAR, ensure your bank's portal accepts IFSC SBIN0015048 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 – KALMEGHA BAZAR, use IMPS. With IFSC SBIN0015048 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 SBIN0015048 for State Bank of India – KALMEGHA BAZAR, 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 – SBIN0015048 | Yes – SBIN0015048 | Yes – SBIN0015048 |
For most retail customers crediting the Kalmegha Bazar 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 KALMEGHA BAZAR branch, the IFSC SBIN0015048 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.
Digital banking channels
Most day-to-day work that customers used to do at the Kalmegha Bazar 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 SBIN0015048 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.
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 SBIN0015048 and the account number together uniquely identify the Kalmegha Bazar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – KALMEGHA BAZAR:
- The IFSC is exactly SBIN0015048 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 KALMEGHA BAZAR 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 Kalmegha Bazar branch
The branch is located at VILLAGEKALMEGHA BAZAR POBANSGARA DISTT MURSHIDABAD WEST BENGAL742148, which puts it inside Murshidabad, the broader Murshidabad district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “State Bank of India Kalmegha Bazar branch” — the verified location pin for IFSC SBIN0015048 should appear at the top of the results.
- Confirm the branch is open by calling 22-9732430568 before stepping out, especially around public holidays.
- 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 SBIN0015048 and your account number.
Verifying IFSC SBIN0015048 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 SBIN0015048 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-9732430568.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Kalmegha Bazar 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 SBIN0015048 continue to work without interruption.
Branch address & contact
State Bank of IndiaKalmegha Bazar Branch
VILLAGEKALMEGHA BAZAR POBANSGARA DISTT MURSHIDABAD WEST BENGAL742148
Murshidabad, West Bengal
Phone: 22-9732430568
IFSC: SBIN0015048
Frequently asked questions
How do I add State Bank of India Kalmegha Bazar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0015048, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC SBIN0015048 valid for NEFT and RTGS?
Yes. IFSC SBIN0015048 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does State Bank of India Kalmegha Bazar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-9732430568 to confirm.
How quickly will an NEFT transfer using SBIN0015048 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Kalmegha Bazar reflect within 30 minutes.
What is the IFSC code of State Bank of India Kalmegha Bazar branch?
The IFSC code of State Bank of India, Kalmegha Bazar branch is SBIN0015048. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC SBIN0015048 the same for all accounts at Kalmegha Bazar branch?
Yes. The IFSC SBIN0015048 is shared by every account held at State Bank of India's Kalmegha Bazar branch. Only the account number changes from customer to customer.
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 Kalmegha Bazar branch but serve different purposes.
Can I use IFSC SBIN0015048 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0015048 to send funds instantly.
Summary
The IFSC code SBIN0015048 belongs to State Bank of India's KALMEGHA BAZAR branch, located at VILLAGEKALMEGHA BAZAR POBANSGARA DISTT MURSHIDABAD WEST BENGAL742148 in MURSHIDABAD, 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.
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