IFSC Code of State Bank of India, R and Db Racc Sirhind Mandi Branch, Punjab

Below are the complete branch details for State Bank of India, R AND DB RACC SIRHIND MANDI branch, located in SIRHIND MANDI, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0063449. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case SBIN0063449 for State Bank of India – R AND DB RACC SIRHIND MANDI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – R AND DB RACC SIRHIND MANDI is SBIN0063449. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 063449 map to this branch in SIRHIND MANDI, PUNJAB.

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 Sirhind Mandi branch — IFSC SBIN0063449 — extends the bank's services to customers in and around Sirhind Mandi, Punjab.

Branch details at a glance

R and Db Racc Sirhind Mandi branch overview

Located at PRESENTLY SITUATED IN SBI SIRHIND MANDI BRANCH-140406, the R and Db Racc Sirhind Mandi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0063449 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 R AND DB RACC SIRHIND MANDI of State Bank of India — its own 11-character IFSC. The code SBIN0063449 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 SBIN0063449 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 R and Db Racc Sirhind Mandi branch is mapped to IFSC SBIN0063449 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 SBIN0063449.

Banking services available

The R and Db Racc Sirhind Mandi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9779584338.

• 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 SBIN0063449

How to transfer money using IFSC SBIN0063449

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 SBIN0063449 across all three.

NEFT to State Bank of India, R AND DB RACC SIRHIND MANDI using IFSC SBIN0063449

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 SBIN0063449, and confirm that the system picks up State Bank of India – R AND DB RACC SIRHIND MANDI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to R AND DB RACC SIRHIND MANDI

If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's R AND DB RACC SIRHIND MANDI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0063449 while initiating the transfer and the credit will appear within minutes.

IMPS to State Bank of India R AND DB RACC SIRHIND MANDI (IFSC SBIN0063449)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0063449 in your mobile or internet banking app, and the money is credited to the R AND DB RACC SIRHIND MANDI branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC SBIN0063449 for State Bank of India – R AND DB RACC SIRHIND MANDI, 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.

For most retail customers crediting the R and Db Racc Sirhind Mandi 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 SBIN0063449

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 SIRHIND MANDI is still mapped to IFSC SBIN0063449. 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 SBIN0063449 and the beneficiary's account number to complete the transfer.

Online banking and IFSC SBIN0063449

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 SIRHIND MANDI 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 SBIN0063449 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 SBIN0063449 and the account number together uniquely identify the R and Db Racc Sirhind Mandi 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 – R AND DB RACC SIRHIND MANDI:

• The IFSC is exactly SBIN0063449 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 R AND DB RACC SIRHIND MANDI 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 R and Db Racc Sirhind Mandi branch sits at PRESENTLY SITUATED IN SBI SIRHIND MANDI BRANCH-140406. If you are travelling from outside Sirhind Mandi, search for the branch on a maps application using the bank name and locality, or call 9779584338 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 SBIN0063449 and your account number.

Verifying IFSC SBIN0063449 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 SBIN0063449 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9779584338.
• Visiting the bank's official branch locator page.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The R and Db Racc Sirhind Mandi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0063449, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SBIN0063449 belongs to State Bank of India's R AND DB RACC SIRHIND MANDI branch, located at PRESENTLY SITUATED IN SBI SIRHIND MANDI BRANCH-140406 in SIRHIND MANDI, 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.