Below are the complete branch details for State Bank of India, SIWAN branch, located in SIWAN, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0000187. 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 SBIN0000187 for State Bank of India – SIWAN — 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 – SIWAN is SBIN0000187. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000187 map to this branch in SIWAN, BIHAR.
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 Siwan branch in Siwan, Bihar is part of this network and uses the IFSC code SBIN0000187 for all electronic settlement.
About the Siwan branch
The Siwan branch of State Bank of India is situated at RAJENDRA PATH, SIWAN, BIHAR. 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 SBIN0000187 is used.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Siwan |
| IFSC Code | SBIN0000187 |
| MICR Code | Refer to cheque leaf |
| Branch Address | RAJENDRA PATH, SIWAN, BIHAR |
| City | Siwan |
| District | Siwan |
| State | Bihar |
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 SIWAN of State Bank of India — its own 11-character IFSC. The code SBIN0000187 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 SBIN0000187 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Siwan branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0000187 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC SBIN0000187
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 SBIN0000187 across all three.
NEFT to State Bank of India, SIWAN using IFSC SBIN0000187
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 SBIN0000187, and confirm that the system picks up State Bank of India – SIWAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to SIWAN
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's SIWAN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0000187 while initiating the transfer and the credit will appear within minutes.
IMPS to State Bank of India SIWAN (IFSC SBIN0000187)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0000187 in your mobile or internet banking app, and the money is credited to the SIWAN branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Siwan
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 SBIN0000187:
- 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 SIWAN is still linked to IFSC SBIN0000187.
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 SIWAN branch, the IFSC SBIN0000187 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.
Products and account variants supported
Every account opened at the Siwan branch is mapped to IFSC SBIN0000187 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 SBIN0000187.
Products and services
Customers walking into the Siwan 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 SBIN0000187
Online banking and IFSC SBIN0000187
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the SIWAN 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 SBIN0000187 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.
Reaching the branch
The Siwan branch sits at RAJENDRA PATH, SIWAN, BIHAR. If you are travelling from outside Siwan, 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 SBIN0000187 and your account number.
Common mistakes to avoid when using IFSC SBIN0000187
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 – SIWAN, 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:
SBIN0000187. - 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.
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 Siwan branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0000187, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC SBIN0000187 for State Bank of India – SIWAN, 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 IndiaSiwan Branch
RAJENDRA PATH, SIWAN, BIHAR
Siwan, Bihar
Phone: the branch contact number
IFSC: SBIN0000187
Frequently asked questions
Can I use IFSC SBIN0000187 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0000187 to send funds instantly.
Where is State Bank of India Siwan branch located?
State Bank of India's Siwan branch is located at RAJENDRA PATH, SIWAN, BIHAR, Siwan, Bihar.
What is the phone number of State Bank of India Siwan branch?
You can reach the branch at the branch contact number during regular banking hours.
What is the IFSC code of State Bank of India Siwan branch?
The IFSC code of State Bank of India, Siwan branch is SBIN0000187. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Siwan branch but serve different purposes.
Is IFSC SBIN0000187 the same for all accounts at Siwan branch?
Yes. The IFSC SBIN0000187 is shared by every account held at State Bank of India's Siwan branch. Only the account number changes from customer to customer.
Does State Bank of India Siwan branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
How do I add State Bank of India Siwan as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0000187, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: SBIN0000187 is the IFSC code of State Bank of India, SIWAN branch, in SIWAN, BIHAR. 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.
