Use this page as a one-stop reference for everything related to State Bank of India's XAVIER UNIVERSITY, NIJIGARH branch in XAVIER UNIVERSITY, NIJIGARH, ODISHA. The branch's IFSC code SBIN0061289 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, SBIN0061289 is the IFSC of State Bank of India's XAVIER UNIVERSITY, NIJIGARH branch. The format is fixed: SBIN = bank code, 0 = reserved, 061289 = branch identifier.
About State Bank of India
State Bank of India operates a wide network of branches across India, including the Xavier University, Nijigarh branch in Xavier University, Nijigarh. 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, SBIN0061289.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Xavier University, Nijigarh |
| IFSC Code | SBIN0061289 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NIJIGARH, KURKI, HARIRAJPUR DIST KHURDA 752050, ODISHA |
| City | Xavier University, Nijigarh |
| District | Khurda |
| State | Odisha |
| Phone | 9937217346 |
About this branch
The branch is located at NIJIGARH, KURKI, HARIRAJPUR DIST KHURDA 752050, ODISHA. It serves the Xavier University, Nijigarh 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 SBIN0061289 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 XAVIER UNIVERSITY, NIJIGARH branch came to be assigned the code SBIN0061289.
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 SBIN0061289, money simply cannot be routed to the XAVIER UNIVERSITY, NIJIGARH branch electronically.
Account types you can open at the Xavier University, Nijigarh branch
Once you have an account at State Bank of India – XAVIER UNIVERSITY, NIJIGARH, the IFSC SBIN0061289 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 Xavier University, Nijigarh branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9937217346.
- 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 SBIN0061289
How to transfer money using IFSC SBIN0061289
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 SBIN0061289 across all three.
NEFT to State Bank of India, XAVIER UNIVERSITY, NIJIGARH using IFSC SBIN0061289
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 SBIN0061289, and confirm that the system picks up State Bank of India – XAVIER UNIVERSITY, NIJIGARH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC SBIN0061289
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 – XAVIER UNIVERSITY, NIJIGARH, ensure your bank's portal accepts IFSC SBIN0061289 while registering the beneficiary. RTGS is also available 24x7.
IMPS to State Bank of India XAVIER UNIVERSITY, NIJIGARH (IFSC SBIN0061289)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0061289 in your mobile or internet banking app, and the money is credited to the XAVIER UNIVERSITY, NIJIGARH branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SBIN0061289 for State Bank of India – XAVIER UNIVERSITY, NIJIGARH, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – SBIN0061289 | Yes – SBIN0061289 | Yes – SBIN0061289 |
For most retail customers crediting the Xavier University, Nijigarh 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 SBIN0061289
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 – XAVIER UNIVERSITY, NIJIGARH is still mapped to IFSC SBIN0061289. 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 SBIN0061289 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Xavier University, Nijigarh 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 SBIN0061289 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.
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 SBIN0061289 and the account number together uniquely identify the Xavier University, Nijigarh 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 – XAVIER UNIVERSITY, NIJIGARH:
- The IFSC is exactly SBIN0061289 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 XAVIER UNIVERSITY, NIJIGARH 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 Xavier University, Nijigarh branch sits at NIJIGARH, KURKI, HARIRAJPUR DIST KHURDA 752050, ODISHA. If you are travelling from outside Xavier University, Nijigarh, search for the branch on a maps application using the bank name and locality, or call 9937217346 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 SBIN0061289 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC SBIN0061289 for State Bank of India – XAVIER UNIVERSITY, NIJIGARH, 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 Xavier University, Nijigarh 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 SBIN0061289 continue to work without interruption.
Branch address & contact
State Bank of IndiaXavier University, Nijigarh Branch
NIJIGARH, KURKI, HARIRAJPUR DIST KHURDA 752050, ODISHA
Xavier University, Nijigarh, Odisha
Phone: 9937217346
IFSC: SBIN0061289
Frequently asked questions
Can I use IFSC SBIN0061289 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0061289 to send funds instantly.
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 Xavier University, Nijigarh branch but serve different purposes.
Is IFSC SBIN0061289 valid for NEFT and RTGS?
Yes. IFSC SBIN0061289 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add State Bank of India Xavier University, Nijigarh as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0061289, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC SBIN0061289 the same for all accounts at Xavier University, Nijigarh branch?
Yes. The IFSC SBIN0061289 is shared by every account held at State Bank of India's Xavier University, Nijigarh branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using SBIN0061289 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Xavier University, Nijigarh reflect within 30 minutes.
What is the IFSC code of State Bank of India Xavier University, Nijigarh branch?
The IFSC code of State Bank of India, Xavier University, Nijigarh branch is SBIN0061289. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does State Bank of India Xavier University, Nijigarh branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 9937217346 to confirm.
Summary
The IFSC code SBIN0061289 belongs to State Bank of India's XAVIER UNIVERSITY, NIJIGARH branch, located at NIJIGARH, KURKI, HARIRAJPUR DIST KHURDA 752050, ODISHA in XAVIER UNIVERSITY, NIJIGARH, ODISHA. 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.
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