IFSC Code of State Bank of India, Cac Sahibganj Branch, Jharkhand

This page lists the IFSC code, branch address, contact number and fund-transfer information for State Bank of India, CAC SAHIBGANJ branch in SAHIBGANJ. The 11-digit IFSC SBIN0062194 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 CAC SAHIBGANJ 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for State Bank of India – CAC SAHIBGANJ is SBIN0062194. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 062194 map to this branch in SAHIBGANJ, JHARKHAND.

Branch details at a glance

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 Cac Sahibganj branch in Sahibganj, Jharkhand is part of this network and uses the IFSC code SBIN0062194 for all electronic settlement.

About this branch

The branch is located at SBI MAIN BRANCH BUILDING, MAHAJANPATTI, SAHIBGANJ. It serves the Sahibganj region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of State Bank of India. The IFSC SBIN0062194 is used to identify this branch on the RBI payments network.

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 CAC SAHIBGANJ branch came to be assigned the code SBIN0062194.

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 SBIN0062194, money simply cannot be routed to the CAC SAHIBGANJ branch electronically.

How to transfer money using IFSC SBIN0062194

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 SBIN0062194 across all three.

NEFT to State Bank of India, CAC SAHIBGANJ using IFSC SBIN0062194

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 SBIN0062194, and confirm that the system picks up State Bank of India – CAC SAHIBGANJ. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CAC SAHIBGANJ

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's CAC SAHIBGANJ branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0062194 while initiating the transfer and the credit will appear within minutes.

IMPS to State Bank of India CAC SAHIBGANJ (IFSC SBIN0062194)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0062194 in your mobile or internet banking app, and the money is credited to the CAC SAHIBGANJ branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Cac Sahibganj

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 SBIN0062194:

• 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 CAC SAHIBGANJ is still linked to IFSC SBIN0062194.

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 CAC SAHIBGANJ branch, the IFSC SBIN0062194 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.

Account types you can open at the Cac Sahibganj branch

Once you have an account at State Bank of India – CAC SAHIBGANJ, the IFSC SBIN0062194 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 Cac Sahibganj branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8292109566.

• 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 SBIN0062194

MICR & cheque-truncation details

Cheques drawn on the Cac Sahibganj branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0062194 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 Cac Sahibganj 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 SBIN0062194 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 – CAC SAHIBGANJ:

• The IFSC is exactly SBIN0062194 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 CAC SAHIBGANJ 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 Cac Sahibganj branch sits at SBI MAIN BRANCH BUILDING, MAHAJANPATTI, SAHIBGANJ. If you are travelling from outside Sahibganj, search for the branch on a maps application using the bank name and locality, or call 8292109566 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 SBIN0062194 and your account number.

Verifying IFSC SBIN0062194 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 SBIN0062194 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8292109566.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Cac Sahibganj 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 SBIN0062194 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SBIN0062194 belongs to State Bank of India's CAC SAHIBGANJ branch, located at SBI MAIN BRANCH BUILDING, MAHAJANPATTI, SAHIBGANJ in SAHIBGANJ, JHARKHAND. 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.