IFSC Code of State Bank of India, Bijoynagar Naihati Branch, West Bengal

Use this page as a one-stop reference for everything related to State Bank of India's BIJOYNAGAR NAIHATI branch in NAIHATI, WEST BENGAL. The branch's IFSC code SBIN0014529 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.

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 – BIJOYNAGAR NAIHATI is SBIN0014529. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 014529 map to this branch in NAIHATI, WEST BENGAL.

Bank profile

State Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Bijoynagar Naihati branch — IFSC SBIN0014529 — extends the bank's services to customers in and around Naihati, West Bengal.

About the Bijoynagar Naihati branch

The Bijoynagar Naihati branch of State Bank of India is situated at 4 NO. BIJOYNAGAR, NAIHATI TO HABRA MAIN RD., P.O. NAIHATI, DIST. 24 PGS NORTH , W.B.. 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 SBIN0014529 is used.

Branch details at a glance

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 BIJOYNAGAR NAIHATI branch came to be assigned the code SBIN0014529.

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 SBIN0014529, money simply cannot be routed to the BIJOYNAGAR NAIHATI branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Bijoynagar Naihati branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0014529 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC SBIN0014529

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 SBIN0014529 across all three.

How to use IFSC SBIN0014529 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's BIJOYNAGAR NAIHATI 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 SBIN0014529.
4. Confirm the bank name auto-populates as State Bank of India and the branch as BIJOYNAGAR NAIHATI.
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 BIJOYNAGAR NAIHATI

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's BIJOYNAGAR NAIHATI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0014529 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 – BIJOYNAGAR NAIHATI, use IMPS. With IFSC SBIN0014529 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 SBIN0014529 for State Bank of India – BIJOYNAGAR NAIHATI, 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 Bijoynagar Naihati 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.

UPI payments and IFSC SBIN0014529

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 – BIJOYNAGAR NAIHATI is still mapped to IFSC SBIN0014529. 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 SBIN0014529 and the beneficiary's account number to complete the transfer.

Account types you can open at the Bijoynagar Naihati branch

Once you have an account at State Bank of India – BIJOYNAGAR NAIHATI, the IFSC SBIN0014529 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.

Products and services

Customers walking into the Bijoynagar Naihati 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 SBIN0014529

Digital banking channels

Most day-to-day work that customers used to do at the Bijoynagar Naihati 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 SBIN0014529 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.

How to reach the Bijoynagar Naihati branch

The branch is located at 4 NO. BIJOYNAGAR, NAIHATI TO HABRA MAIN RD., P.O. NAIHATI, DIST. 24 PGS NORTH , W.B., which puts it inside Naihati, the broader North 24 Paraganas district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “State Bank of India Bijoynagar Naihati branch” — the verified location pin for IFSC SBIN0014529 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 SBIN0014529 and your account number.

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 – BIJOYNAGAR NAIHATI:

• The IFSC is exactly SBIN0014529 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 BIJOYNAGAR NAIHATI 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.

Working hours

Branch counters at Bijoynagar Naihati 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 SBIN0014529 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SBIN0014529 for State Bank of India – BIJOYNAGAR NAIHATI, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SBIN0014529 belongs to State Bank of India's BIJOYNAGAR NAIHATI branch, located at 4 NO. BIJOYNAGAR, NAIHATI TO HABRA MAIN RD., P.O. NAIHATI, DIST. 24 PGS NORTH… in NAIHATI, 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.