Below are the complete branch details for State Bank of India, RBO , PANAJI branch, located in PANAJI, GOA. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0014191. 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 SBIN0014191 for State Bank of India – RBO , PANAJI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, SBIN0014191 is the IFSC of State Bank of India's RBO , PANAJI branch. The format is fixed: SBIN = bank code, 0 = reserved, 014191 = branch identifier.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Rbo , Panaji |
| IFSC Code | SBIN0014191 |
| MICR Code | Refer to cheque leaf |
| Branch Address | STATE BANK BHAVAN,MAHATMA GANDHI ROAD,ST INEZ,PANAJI,GOA,DIST NORTH GOA 403 001 |
| City | Panaji |
| District | North Goa |
| State | Goa |
| STD Code | 0 |
| Phone | 0 |
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 Rbo , Panaji branch in Panaji, Goa is part of this network and uses the IFSC code SBIN0014191 for all electronic settlement.
About the Rbo , Panaji branch
The Rbo , Panaji branch of State Bank of India is situated at STATE BANK BHAVAN,MAHATMA GANDHI ROAD,ST INEZ,PANAJI,GOA,DIST NORTH GOA 403 001. 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 SBIN0014191 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 RBO , PANAJI of State Bank of India — its own 11-character IFSC. The code SBIN0014191 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 SBIN0014191 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC SBIN0014191
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 SBIN0014191 across all three.
NEFT to State Bank of India, RBO , PANAJI using IFSC SBIN0014191
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 SBIN0014191, and confirm that the system picks up State Bank of India – RBO , PANAJI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC SBIN0014191
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 – RBO , PANAJI, ensure your bank's portal accepts IFSC SBIN0014191 while registering the beneficiary. RTGS is also available 24x7.
IMPS to State Bank of India RBO , PANAJI (IFSC SBIN0014191)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0014191 in your mobile or internet banking app, and the money is credited to the RBO , PANAJI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SBIN0014191 for State Bank of India – RBO , PANAJI, 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 – SBIN0014191 | Yes – SBIN0014191 | Yes – SBIN0014191 |
For most retail customers crediting the Rbo , Panaji 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 RBO , PANAJI branch, the IFSC SBIN0014191 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.
Products and account variants supported
Every account opened at the Rbo , Panaji branch is mapped to IFSC SBIN0014191 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 SBIN0014191.
Products and services
Customers walking into the Rbo , Panaji 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 SBIN0014191
MICR & cheque-truncation details
Cheques drawn on the Rbo , Panaji branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0014191 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Rbo , Panaji 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 SBIN0014191 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.
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 – RBO , PANAJI:
- The IFSC is exactly SBIN0014191 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 RBO , PANAJI 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 Rbo , Panaji branch sits at STATE BANK BHAVAN,MAHATMA GANDHI ROAD,ST INEZ,PANAJI,GOA,DIST NORTH GOA 403 001. If you are travelling from outside Panaji, search for the branch on a maps application using the bank name and locality, or call 0 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 SBIN0014191 and your account number.
Verifying IFSC SBIN0014191 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 SBIN0014191 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 0.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Rbo , Panaji 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 SBIN0014191 continue to work without interruption.
Branch address & contact
State Bank of IndiaRbo , Panaji Branch
STATE BANK BHAVAN,MAHATMA GANDHI ROAD,ST INEZ,PANAJI,GOA,DIST NORTH GOA 403 001
Panaji, Goa
Phone: 0
IFSC: SBIN0014191
Frequently asked questions
Is IFSC SBIN0014191 valid for NEFT and RTGS?
Yes. IFSC SBIN0014191 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC SBIN0014191 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0014191 to send funds instantly.
How do I add State Bank of India Rbo , Panaji as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0014191, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Rbo , Panaji branch but serve different purposes.
Is IFSC SBIN0014191 the same for all accounts at Rbo , Panaji branch?
Yes. The IFSC SBIN0014191 is shared by every account held at State Bank of India's Rbo , Panaji branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using SBIN0014191 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Rbo , Panaji reflect within 30 minutes.
Where is State Bank of India Rbo , Panaji branch located?
State Bank of India's Rbo , Panaji branch is located at STATE BANK BHAVAN,MAHATMA GANDHI ROAD,ST INEZ,PANAJI,GOA,DIST NORTH GOA 403 001, Panaji, Goa.
Summary
The IFSC code SBIN0014191 belongs to State Bank of India's RBO , PANAJI branch, located at STATE BANK BHAVAN,MAHATMA GANDHI ROAD,ST INEZ,PANAJI,GOA,DIST NORTH GOA 403 001 in PANAJI, GOA. 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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