IFSC Code of State Bank of India, Mini Racpc, Ratnagiri Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for State Bank of India, MINI RACPC, RATNAGIRI branch in RATNAGIRI. The 11-digit IFSC SBIN0064163 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with State Bank of India at the MINI RACPC, RATNAGIRI location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For State Bank of India's MINI RACPC, RATNAGIRI branch, the IFSC SBIN0064163 breaks down as follows: SBIN identifies the bank, 0 is the reserved character, and 064163 identifies this particular branch.

About State Bank of India

State Bank of India operates a wide network of branches across India, including the Mini Racpc, Ratnagiri branch in Ratnagiri. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, SBIN0064163.

About the Mini Racpc, Ratnagiri branch

The Mini Racpc, Ratnagiri branch of State Bank of India is situated at THE CHIEF MANAGER,STATE BANK OF INDIA,1 ST FLOOR,KOHINOOR PARADISE,AROGYA MANDIR,RATNAGIRI,TAL - RATNAGIRI,DISTRICT -RATNAGIRI-415639. 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 SBIN0064163 is used.

Branch details at a glance

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 MINI RACPC, RATNAGIRI of State Bank of India — its own 11-character IFSC. The code SBIN0064163 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 SBIN0064163 the same way you would treat your account number — verify it once and save it carefully for future use.

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 SBIN0064163 and the account number together uniquely identify the Mini Racpc, Ratnagiri branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC SBIN0064163

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 SBIN0064163 across all three.

How to use IFSC SBIN0064163 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's MINI RACPC, RATNAGIRI 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 SBIN0064163.
4. Confirm the bank name auto-populates as State Bank of India and the branch as MINI RACPC, RATNAGIRI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to MINI RACPC, RATNAGIRI

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's MINI RACPC, RATNAGIRI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0064163 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to State Bank of India – MINI RACPC, RATNAGIRI, use IMPS. With IFSC SBIN0064163 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Mini Racpc, Ratnagiri

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 SBIN0064163:

• 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 MINI RACPC, RATNAGIRI is still linked to IFSC SBIN0064163.

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 SBIN0064163

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 – MINI RACPC, RATNAGIRI is still mapped to IFSC SBIN0064163. 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 SBIN0064163 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Mini Racpc, Ratnagiri branch is mapped to IFSC SBIN0064163 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 SBIN0064163.

Products and services

Customers walking into the Mini Racpc, Ratnagiri 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 SBIN0064163

Online banking and IFSC SBIN0064163

State Bank of India customers can register for net banking and the bank's official mobile app once their account at the MINI RACPC, RATNAGIRI 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 SBIN0064163 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.

How to reach the Mini Racpc, Ratnagiri branch

The branch is located at THE CHIEF MANAGER,STATE BANK OF INDIA,1 ST FLOOR,KOHINOOR PARADISE,AROGYA MANDIR,RATNAGIRI,TAL - RATNAGIRI,DISTRICT -RATNAGIRI-415639, which puts it inside Ratnagiri, the broader Ratnagiri district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “State Bank of India Mini Racpc, Ratnagiri branch” — the verified location pin for IFSC SBIN0064163 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 SBIN0064163 and your account number.

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 – MINI RACPC, RATNAGIRI:

• The IFSC is exactly SBIN0064163 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 MINI RACPC, RATNAGIRI 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.

Working hours

Branch counters at Mini Racpc, Ratnagiri 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 SBIN0064163 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SBIN0064163 for State Bank of India – MINI RACPC, RATNAGIRI, 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

Frequently asked questions

Final notes

To recap: SBIN0064163 is the IFSC code of State Bank of India, MINI RACPC, RATNAGIRI branch, in RATNAGIRI, MAHARASHTRA. 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.