If you are searching for the IFSC code of State Bank of India, BAGHRA branch in MUZAFFARNAGAR, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is SBIN0002301. 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 BAGHRA branch, and detailed step-by-step guides for using the IFSC SBIN0002301 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, SBIN0002301 is the IFSC of State Bank of India's BAGHRA branch. The format is fixed: SBIN = bank code, 0 = reserved, 002301 = branch identifier.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Baghra |
| IFSC Code | SBIN0002301 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BAGHRADIST MUZAFFARNAGAR |
| City | Muzaffarnagar |
| District | Muzaffar Nagar |
| State | Uttar Pradesh |
Bank profile
State Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Baghra branch — IFSC SBIN0002301 — extends the bank's services to customers in and around Muzaffarnagar, Uttar Pradesh.
About this branch
The branch is located at BAGHRADIST MUZAFFARNAGAR. It serves the Muzaffarnagar region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of State Bank of India. The IFSC SBIN0002301 is used to identify this branch on the RBI payments network.
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 BAGHRA branch came to be assigned the code SBIN0002301.
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 SBIN0002301, money simply cannot be routed to the BAGHRA branch electronically.
How to transfer money using IFSC SBIN0002301
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 SBIN0002301 across all three.
How to use IFSC SBIN0002301 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's BAGHRA 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 SBIN0002301.
- Confirm the bank name auto-populates as State Bank of India and the branch as BAGHRA.
- 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 BAGHRA
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's BAGHRA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0002301 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 – BAGHRA, use IMPS. With IFSC SBIN0002301 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 Baghra
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 SBIN0002301:
- 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 BAGHRA is still linked to IFSC SBIN0002301.
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 BAGHRA branch, the IFSC SBIN0002301 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.
Account types you can open at the Baghra branch
Once you have an account at State Bank of India – BAGHRA, the IFSC SBIN0002301 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 Baghra 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 SBIN0002301
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 SBIN0002301 and the account number together uniquely identify the Baghra 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 Baghra 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 SBIN0002301 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 SBIN0002301
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 – BAGHRA, 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:
SBIN0002301. - 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.
How to reach the Baghra branch
The branch is located at BAGHRADIST MUZAFFARNAGAR, which puts it inside Muzaffarnagar, the broader Muzaffar Nagar district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “State Bank of India Baghra branch” — the verified location pin for IFSC SBIN0002301 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number 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 SBIN0002301 and your account number.
Verifying IFSC SBIN0002301 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 SBIN0002301 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 Baghra branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0002301, however, work 24x7.
Branch address & contact
State Bank of IndiaBaghra Branch
BAGHRADIST MUZAFFARNAGAR
Muzaffarnagar, Uttar Pradesh
Phone: the branch contact number
IFSC: SBIN0002301
Frequently asked questions
Is IFSC SBIN0002301 the same for all accounts at Baghra branch?
Yes. The IFSC SBIN0002301 is shared by every account held at State Bank of India's Baghra branch. Only the account number changes from customer to customer.
What is the IFSC code of State Bank of India Baghra branch?
The IFSC code of State Bank of India, Baghra branch is SBIN0002301. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Baghra branch but serve different purposes.
What is the phone number of State Bank of India Baghra branch?
You can reach the branch at the branch contact number during regular banking hours.
How quickly will an NEFT transfer using SBIN0002301 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Baghra reflect within 30 minutes.
Where is State Bank of India Baghra branch located?
State Bank of India's Baghra branch is located at BAGHRADIST MUZAFFARNAGAR, Muzaffarnagar, Uttar Pradesh.
Is IFSC SBIN0002301 valid for NEFT and RTGS?
Yes. IFSC SBIN0002301 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does State Bank of India Baghra branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Summary
The IFSC code SBIN0002301 belongs to State Bank of India's BAGHRA branch, located at BAGHRADIST MUZAFFARNAGAR in MUZAFFARNAGAR, UTTAR PRADESH. 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.
