If you are searching for the IFSC code of State Bank of India, RACPC PATHANKOT branch in PATHANKOT, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is SBIN0064109. 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 RACPC PATHANKOT branch, and detailed step-by-step guides for using the IFSC SBIN0064109 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, SBIN0064109 is the IFSC of State Bank of India's RACPC PATHANKOT branch. The format is fixed: SBIN = bank code, 0 = reserved, 064109 = branch identifier.
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 Racpc Pathankot branch in Pathankot, Punjab is part of this network and uses the IFSC code SBIN0064109 for all electronic settlement.
About the Racpc Pathankot branch
The Racpc Pathankot branch of State Bank of India is situated at BEHIND HOTEL VENICE,DHANGU ROAD,PATHANKOT-145001. 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 SBIN0064109 is used.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Racpc Pathankot |
| IFSC Code | SBIN0064109 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BEHIND HOTEL VENICE,DHANGU ROAD,PATHANKOT-145001 |
| City | Pathankot |
| District | Pathankot |
| State | Punjab |
| Phone | 9780914756 |
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 RACPC PATHANKOT branch came to be assigned the code SBIN0064109.
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 SBIN0064109, money simply cannot be routed to the RACPC PATHANKOT branch electronically.
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 SBIN0064109 and the account number together uniquely identify the Racpc Pathankot branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC SBIN0064109
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 SBIN0064109 across all three.
NEFT to State Bank of India, RACPC PATHANKOT using IFSC SBIN0064109
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 SBIN0064109, and confirm that the system picks up State Bank of India – RACPC PATHANKOT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to RACPC PATHANKOT
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's RACPC PATHANKOT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0064109 while initiating the transfer and the credit will appear within minutes.
IMPS to State Bank of India RACPC PATHANKOT (IFSC SBIN0064109)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0064109 in your mobile or internet banking app, and the money is credited to the RACPC PATHANKOT branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SBIN0064109 for State Bank of India – RACPC PATHANKOT, 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 – SBIN0064109 | Yes – SBIN0064109 | Yes – SBIN0064109 |
For most retail customers crediting the Racpc Pathankot 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 SBIN0064109
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 – RACPC PATHANKOT is still mapped to IFSC SBIN0064109. 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 SBIN0064109 and the beneficiary's account number to complete the transfer.
Account types you can open at the Racpc Pathankot branch
Once you have an account at State Bank of India – RACPC PATHANKOT, the IFSC SBIN0064109 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 Racpc Pathankot 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 SBIN0064109
Digital banking channels
Most day-to-day work that customers used to do at the Racpc Pathankot 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 SBIN0064109 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 Racpc Pathankot branch
The branch is located at BEHIND HOTEL VENICE,DHANGU ROAD,PATHANKOT-145001, which puts it inside Pathankot, the broader Pathankot district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “State Bank of India Racpc Pathankot branch” — the verified location pin for IFSC SBIN0064109 should appear at the top of the results.
- Confirm the branch is open by calling 9780914756 before stepping out, especially around public holidays.
- 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 SBIN0064109 and your account number.
Common mistakes to avoid when using IFSC SBIN0064109
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 – RACPC PATHANKOT, 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:
SBIN0064109. - 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.
Working hours
Branch counters at Racpc Pathankot 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 SBIN0064109 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC SBIN0064109 for State Bank of India – RACPC PATHANKOT, 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
State Bank of IndiaRacpc Pathankot Branch
BEHIND HOTEL VENICE,DHANGU ROAD,PATHANKOT-145001
Pathankot, Punjab
Phone: 9780914756
IFSC: SBIN0064109
Frequently asked questions
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 Racpc Pathankot branch but serve different purposes.
Does State Bank of India Racpc Pathankot branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 9780914756 to confirm.
Where is State Bank of India Racpc Pathankot branch located?
State Bank of India's Racpc Pathankot branch is located at BEHIND HOTEL VENICE,DHANGU ROAD,PATHANKOT-145001, Pathankot, Punjab.
Is IFSC SBIN0064109 the same for all accounts at Racpc Pathankot branch?
Yes. The IFSC SBIN0064109 is shared by every account held at State Bank of India's Racpc Pathankot branch. Only the account number changes from customer to customer.
Can I use IFSC SBIN0064109 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0064109 to send funds instantly.
How quickly will an NEFT transfer using SBIN0064109 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Racpc Pathankot reflect within 30 minutes.
Is IFSC SBIN0064109 valid for NEFT and RTGS?
Yes. IFSC SBIN0064109 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code SBIN0064109 belongs to State Bank of India's RACPC PATHANKOT branch, located at BEHIND HOTEL VENICE,DHANGU ROAD,PATHANKOT-145001 in PATHANKOT, PUNJAB. 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.
