If you are searching for the IFSC code of State Bank of India, KAMARHATI branch in NORTH, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is SBIN0001404. 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 KAMARHATI branch, and detailed step-by-step guides for using the IFSC SBIN0001404 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.
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 – KAMARHATI is SBIN0001404. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001404 map to this branch in NORTH, WEST BENGAL.
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 Kamarhati branch in North, West Bengal is part of this network and uses the IFSC code SBIN0001404 for all electronic settlement.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Kamarhati |
| IFSC Code | SBIN0001404 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 1,B.T. ROAD,24 PARGANAS N.,W.B. 700058 |
| City | North |
| District | North 24 Parganas |
| State | West Bengal |
About the Kamarhati branch
The Kamarhati branch of State Bank of India is situated at 1,B.T. ROAD,24 PARGANAS N.,W.B. 700058. 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 SBIN0001404 is used.
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 KAMARHATI branch came to be assigned the code SBIN0001404.
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 SBIN0001404, money simply cannot be routed to the KAMARHATI branch electronically.
Products and account variants supported
Every account opened at the Kamarhati branch is mapped to IFSC SBIN0001404 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 SBIN0001404.
Banking services available
The Kamarhati 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 SBIN0001404
How to transfer money using IFSC SBIN0001404
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 SBIN0001404 across all three.
NEFT to State Bank of India, KAMARHATI using IFSC SBIN0001404
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC SBIN0001404, and confirm that the system picks up State Bank of India – KAMARHATI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC SBIN0001404
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 – KAMARHATI, ensure your bank's portal accepts IFSC SBIN0001404 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 – KAMARHATI, use IMPS. With IFSC SBIN0001404 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 SBIN0001404 for State Bank of India – KAMARHATI, 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 – SBIN0001404 | Yes – SBIN0001404 | Yes – SBIN0001404 |
For most retail customers crediting the Kamarhati 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 SBIN0001404
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 – KAMARHATI is still mapped to IFSC SBIN0001404. 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 SBIN0001404 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Kamarhati 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 SBIN0001404 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 SBIN0001404 and the account number together uniquely identify the Kamarhati 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 – KAMARHATI:
- The IFSC is exactly SBIN0001404 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 KAMARHATI 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.
Reaching the branch
The Kamarhati branch sits at 1,B.T. ROAD,24 PARGANAS N.,W.B. 700058. If you are travelling from outside North, 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 SBIN0001404 and your account number.
Verifying IFSC SBIN0001404 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 SBIN0001404 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 Kamarhati branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0001404, however, work 24x7.
Branch address & contact
State Bank of IndiaKamarhati Branch
1,B.T. ROAD,24 PARGANAS N.,W.B. 700058
North, West Bengal
Phone: the branch contact number
IFSC: SBIN0001404
Frequently asked questions
What is the IFSC code of State Bank of India Kamarhati branch?
The IFSC code of State Bank of India, Kamarhati branch is SBIN0001404. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add State Bank of India Kamarhati as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0001404, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC SBIN0001404 valid for NEFT and RTGS?
Yes. IFSC SBIN0001404 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC SBIN0001404 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0001404 to send funds instantly.
Where is State Bank of India Kamarhati branch located?
State Bank of India's Kamarhati branch is located at 1,B.T. ROAD,24 PARGANAS N.,W.B. 700058, North, West Bengal.
Is IFSC SBIN0001404 the same for all accounts at Kamarhati branch?
Yes. The IFSC SBIN0001404 is shared by every account held at State Bank of India's Kamarhati branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using SBIN0001404 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Kamarhati reflect within 30 minutes.
What is the phone number of State Bank of India Kamarhati branch?
You can reach the branch at the branch contact number during regular banking hours.
Summary
The IFSC code SBIN0001404 belongs to State Bank of India's KAMARHATI branch, located at 1,B.T. ROAD,24 PARGANAS N.,W.B. 700058 in NORTH, 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.
