IFSC Code of State Bank of India, R and Db Racc Paonta Sahib Branch, Himachal Pradesh

If you are searching for the IFSC code of State Bank of India, R AND DB RACC PAONTA SAHIB branch in PAONTA SAHIB, HIMACHAL PRADESH, this page has every detail you need. The verified IFSC code for this branch is SBIN0063494. 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 R AND DB RACC PAONTA SAHIB branch, and detailed step-by-step guides for using the IFSC SBIN0063494 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, SBIN0063494 is the IFSC of State Bank of India's R AND DB RACC PAONTA SAHIB branch. The format is fixed: SBIN = bank code, 0 = reserved, 063494 = branch identifier.

Branch details at a glance

Bank profile

State Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The R and Db Racc Paonta Sahib branch — IFSC SBIN0063494 — extends the bank's services to customers in and around Paonta Sahib, Himachal Pradesh.

About the R and Db Racc Paonta Sahib branch

The R and Db Racc Paonta Sahib branch of State Bank of India is situated at MAIN ROAD PAONTA SAHIB DIST-SIRMAUR, HIMACHAL PRADESH-173025. 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 SBIN0063494 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 R AND DB RACC PAONTA SAHIB of State Bank of India — its own 11-character IFSC. The code SBIN0063494 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 SBIN0063494 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 SBIN0063494

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 SBIN0063494 across all three.

How to use IFSC SBIN0063494 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 DB RACC PAONTA SAHIB 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 SBIN0063494.
4. Confirm the bank name auto-populates as State Bank of India and the branch as R AND DB RACC PAONTA SAHIB.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC SBIN0063494

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 – R AND DB RACC PAONTA SAHIB, ensure your bank's portal accepts IFSC SBIN0063494 while registering the beneficiary. RTGS is also available 24x7.

IMPS to State Bank of India R AND DB RACC PAONTA SAHIB (IFSC SBIN0063494)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0063494 in your mobile or internet banking app, and the money is credited to the R AND DB RACC PAONTA SAHIB branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to R and Db Racc Paonta Sahib

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 SBIN0063494:

• 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 R AND DB RACC PAONTA SAHIB is still linked to IFSC SBIN0063494.

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.

UPI payments and IFSC SBIN0063494

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 – R AND DB RACC PAONTA SAHIB is still mapped to IFSC SBIN0063494. 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 SBIN0063494 and the beneficiary's account number to complete the transfer.

Account types you can open at the R and Db Racc Paonta Sahib branch

Once you have an account at State Bank of India – R AND DB RACC PAONTA SAHIB, the IFSC SBIN0063494 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 R and Db Racc Paonta Sahib branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8295544778.

• 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 SBIN0063494

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 SBIN0063494 and the account number together uniquely identify the R and Db Racc Paonta Sahib branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC SBIN0063494

State Bank of India customers can register for net banking and the bank's official mobile app once their account at the R AND DB RACC PAONTA SAHIB branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC SBIN0063494 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Common mistakes to avoid when using IFSC SBIN0063494

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 DB RACC PAONTA SAHIB, 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: SBIN0063494.
• 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 Db Racc Paonta Sahib branch

The branch is located at MAIN ROAD PAONTA SAHIB DIST-SIRMAUR, HIMACHAL PRADESH-173025, which puts it inside Paonta Sahib, the broader Paonta Sahib district, and the state of Himachal Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “State Bank of India R and Db Racc Paonta Sahib branch” — the verified location pin for IFSC SBIN0063494 should appear at the top of the results.
2. Confirm the branch is open by calling 8295544778 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 SBIN0063494 and your account number.

Verifying IFSC SBIN0063494 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 SBIN0063494 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8295544778.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at R and Db Racc Paonta Sahib 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 SBIN0063494 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SBIN0063494 belongs to State Bank of India's R AND DB RACC PAONTA SAHIB branch, located at MAIN ROAD PAONTA SAHIB DIST-SIRMAUR, HIMACHAL PRADESH-173025 in PAONTA SAHIB, HIMACHAL 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.