IFSC Code of State Bank of India, R and Sdb Racc Nabha Branch, Punjab

Below are the complete branch details for State Bank of India, R AND SDB RACC NABHA branch, located in NABHA, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0063451. 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 SBIN0063451 for State Bank of India – R AND SDB RACC NABHA — 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 – R AND SDB RACC NABHA is SBIN0063451. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 063451 map to this branch in NABHA, PUNJAB.

Bank profile

State Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The R and Sdb Racc Nabha branch — IFSC SBIN0063451 — extends the bank's services to customers in and around Nabha, Punjab.

Branch details at a glance

R and Sdb Racc Nabha branch overview

Located at STATE BANK OF INDIA RACC NABHA, DEVI DWALA CHOWK NABHA, the R and Sdb Racc Nabha branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0063451 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 SDB RACC NABHA branch came to be assigned the code SBIN0063451.

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 SBIN0063451, money simply cannot be routed to the R AND SDB RACC NABHA branch electronically.

Products and account variants supported

Every account opened at the R and Sdb Racc Nabha branch is mapped to IFSC SBIN0063451 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 SBIN0063451.

Banking services available

The R and Sdb Racc Nabha branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 7087430856.

• 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 SBIN0063451

How to transfer money using IFSC SBIN0063451

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 SBIN0063451 across all three.

How to use IFSC SBIN0063451 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's R AND SDB RACC NABHA 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC SBIN0063451.
4. Confirm the bank name auto-populates as State Bank of India and the branch as R AND SDB RACC NABHA.
5. 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 R AND SDB RACC NABHA

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's R AND SDB RACC NABHA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0063451 while initiating the transfer and the credit will appear within minutes.

IMPS to State Bank of India R AND SDB RACC NABHA (IFSC SBIN0063451)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0063451 in your mobile or internet banking app, and the money is credited to the R AND SDB RACC NABHA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC SBIN0063451 for State Bank of India – R AND SDB RACC NABHA, 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.

For most retail customers crediting the R and Sdb Racc Nabha 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 R AND SDB RACC NABHA branch, the IFSC SBIN0063451 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 R and Sdb Racc Nabha 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 SBIN0063451 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 SBIN0063451 and the account number together uniquely identify the R and Sdb Racc Nabha branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC SBIN0063451

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 – R AND SDB RACC NABHA, 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: SBIN0063451.
• 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 R and Sdb Racc Nabha branch

The branch is located at STATE BANK OF INDIA RACC NABHA, DEVI DWALA CHOWK NABHA, which puts it inside Nabha, the broader Nabha district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “State Bank of India R and Sdb Racc Nabha branch” — the verified location pin for IFSC SBIN0063451 should appear at the top of the results.
2. Confirm the branch is open by calling 7087430856 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 SBIN0063451 and your account number.

Verifying IFSC SBIN0063451 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 SBIN0063451 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 7087430856.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at R and Sdb Racc Nabha 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 SBIN0063451 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SBIN0063451 is the IFSC code of State Bank of India, R AND SDB RACC NABHA branch, in NABHA, PUNJAB. 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.