Use this page as a one-stop reference for everything related to State Bank of India's AICHOLI branch in PITHORAGARH, UTTARAKHAND. The branch's IFSC code SBIN0011328 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.
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, SBIN0011328 is the IFSC of State Bank of India's AICHOLI branch. The format is fixed: SBIN = bank code, 0 = reserved, 011328 = 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 Aicholi branch in Pithoragarh, Uttarakhand is part of this network and uses the IFSC code SBIN0011328 for all electronic settlement.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Aicholi |
| IFSC Code | SBIN0011328 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ANCHOLI 262501 |
| City | Pithoragarh |
| District | New Delhi |
| State | Uttarakhand |
Aicholi branch overview
Located at ANCHOLI 262501, the Aicholi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0011328 is required for all interbank electronic transfers routed through this branch.
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 AICHOLI of State Bank of India — its own 11-character IFSC. The code SBIN0011328 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 SBIN0011328 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Aicholi branch is mapped to IFSC SBIN0011328 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 SBIN0011328.
Banking services available
The Aicholi 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 SBIN0011328
How to transfer money using IFSC SBIN0011328
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 SBIN0011328 across all three.
NEFT to State Bank of India, AICHOLI using IFSC SBIN0011328
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 SBIN0011328, and confirm that the system picks up State Bank of India – AICHOLI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC SBIN0011328
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 – AICHOLI, ensure your bank's portal accepts IFSC SBIN0011328 while registering the beneficiary. RTGS is also available 24x7.
IMPS to State Bank of India AICHOLI (IFSC SBIN0011328)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0011328 in your mobile or internet banking app, and the money is credited to the AICHOLI branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Aicholi
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 SBIN0011328:
- 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 AICHOLI is still linked to IFSC SBIN0011328.
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.
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 AICHOLI branch, the IFSC SBIN0011328 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.
Online banking and IFSC SBIN0011328
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the AICHOLI 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 SBIN0011328 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.
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 SBIN0011328 and the account number together uniquely identify the Aicholi 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 – AICHOLI:
- The IFSC is exactly SBIN0011328 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 AICHOLI 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 Aicholi branch sits at ANCHOLI 262501. If you are travelling from outside Pithoragarh, 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 SBIN0011328 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC SBIN0011328 for State Bank of India – AICHOLI, 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.
Working hours
Branch counters at Aicholi 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 SBIN0011328 continue to work without interruption.
Branch address & contact
State Bank of IndiaAicholi Branch
ANCHOLI 262501
Pithoragarh, Uttarakhand
Phone: the branch contact number
IFSC: SBIN0011328
Frequently asked questions
Is IFSC SBIN0011328 the same for all accounts at Aicholi branch?
Yes. The IFSC SBIN0011328 is shared by every account held at State Bank of India's Aicholi branch. Only the account number changes from customer to customer.
How do I add State Bank of India Aicholi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0011328, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC SBIN0011328 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0011328 to send funds instantly.
Where is State Bank of India Aicholi branch located?
State Bank of India's Aicholi branch is located at ANCHOLI 262501, Pithoragarh, Uttarakhand.
How quickly will an NEFT transfer using SBIN0011328 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Aicholi reflect within 30 minutes.
What is the IFSC code of State Bank of India Aicholi branch?
The IFSC code of State Bank of India, Aicholi branch is SBIN0011328. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does State Bank of India Aicholi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
What is the phone number of State Bank of India Aicholi branch?
You can reach the branch at the branch contact number during regular banking hours.
Final notes
To recap: SBIN0011328 is the IFSC code of State Bank of India, AICHOLI branch, in PITHORAGARH, UTTARAKHAND. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
