Last updated on: August 6, 2025

SBT Bank IFSC Code: The Ultimate 2025 Guide

The banking industry in India is changing at a very fast pace, with digital payments, UPI and net banking changing the way we handle our finances. One of the most frequently asked questions is what the SBT Bank IFSC code is, why it is important, and how it can be used today. With the year 2025 fast approaching, it is important to know the SBT IFSC code to make safe and smooth online transactions, as there have been mergers and changes in the banking industry in India.

This guide is intended to give you clear and current information about the SBT Bank IFSC code. We answer the most common questions, explore real-world scenarios, and guide you on how to find, use, and troubleshoot these codes—making your banking experience smoother and safer, whether you’re transferring funds to friends, shopping online, or running a business.

What is an IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code assigned to every branch of every bank in the country by the Reserve Bank of India (RBI). It is used as a distinct identifier of every branch and must be used in any form of electronic payments in India including NEFT, RTGS, and IMPS.

IFSC: SBTR0000361

• The first four letters identify the bank (e.g. “SBTR” for State Bank of Travancore, commonly referred to as SBT).
• The fifth character is always ‘0’, reserved for future use.
• The final six characters denote the particular branch

SBT Bank: A Rapid Glance in 2025

State Bank of Travancore (SBT) was one of the five associate banks of the State Bank of India (SBI). In April 2017, SBT officially merged with SBI, and SBT’s branches were integrated as part of the larger SBI family.

Why is this important to IFSC codes in 2025?

• There are still a lot of people and businesses that maintain legacy accounts and use the old IFSC codes of SBT to make transactions.
• Older chequebooks and other documents may show SBT codes.
• Other merchants and digital payment apps continue to use SBT to select branches.

Understanding how SBT’s IFSC codes work post-merger is key to ensuring your transactions don’t fail or face unnecessary delays.

Why is the SBT Bank IFSC Code Important?

• Ensures Proper Transfer of Funds: The correct IFSC code ensures that your money reaches the correct SBT/SBI branch and does not get lost or sent to the wrong branch.
• The IFSC code is required in online transactions: NEFT, RTGS, IMPS payments and even basic online registration need the IFSC code.
• Cross-Checking of Beneficiary Information: A lot of fintech applications, online marketplaces, and business payment platforms rely on the IFSC to cross-check branch and account information.

Real-life example:
A small business owner in Kerala had to make payments to one of his suppliers who had an SBT account. The proper IFSC also meant that settlements were instantaneous through IMPS even on weekends.

What Has Changed in the SBT IFSC Code Since the Merger?

After SBT merged with SBI, the majority of the branches of SBT took new IFSC codes in the format of SBI. During some time after the merger, the old SBT codes were still used in transactions.

What Can I Use My Old SBT Account in 2025?

In 2025, the updated SBI IFSC codes should be used to make all electronic payments to SBT branches. Old SBT codes ceased to be valid in most transactions. The old IFSC can lead to failed or reversed payments.

New IFSC Code Format

• Old SBT code: SBTR000XXXX
• New SBI code: SBIN007XXXX (the branch number typically remains the same)

New IFSC: Always confirm with your branch or refer to the latest SBI lookup to find the new IFSC.

How to Find SBT (Now SBI) IFSC Codes in 2025

Whether you’re a customer or making a one-time transfer, finding the correct (current) IFSC is essential. These are the most credible methods:

1. Branch Chequebook or Passbook

   • Newest SBI chequebooks will contain the new IFSC code printed
   • Old SBT passbooks may still reflect the previous IFSC-check before using.

2. SBI Web site

   • Go to the branch locator or IFSC search page of SBI
   • Type in the branch name, city or old SBT branch details to obtain the new IFSC.

3. RBI Official IFSC Directory

   • The master IFSC directory is regularly updated by the Reserve Bank of India with all active codes.
   • Download the latest excel sheet and search your branch.

4. Online Marketplaces & Mobile Banking Apps

   • Most digital banking apps (like Google Pay, Paytm, PhonePe) auto-populate the IFSC based on the account number and branch.
   • Flipkart, Amazon and other marketplaces publish new lists of sellers and payouts, in particular, when banking information is required.

5. Customer Care

   • Call the SBI customer helpline or visit your local (former SBT) branch for the updated code.

Example of SBT Branch IFSC Code Change

Table above is illustrative; consult the latest official look up.

Typical Applications: The Impact of SBT IFSC Codes on You in 2025

Sending Money NEFT/IMPS

• When you are sending money to a beneficiary who has mentioned SBT, make sure that you understand whether his or her account is now shown as an SBI branch and, in that case, what the IFSC code is.
• In case the account is active, use the new SBI IFSC code.
• In inactive or closed accounts, transactions will not go through.

Establishing Payments on Markets

Freelancers, gig workers, and online sellers will be required to provide their bank and IFSC to receive payouts. Never enter the old SBT code but the current SBI IFSC code to prevent delays in payment.

Linking bank accounts in payment apps

Apps such as Google Pay, PhonePe, etc will identify SBI as the bank of former SBT customers. During account linking, search under “State Bank of India” and look for your branch; the app will use the updated IFSC.

Frequently Asked Questions about SBT Bank IFSC Code

• How do I know whether my old SBT account is still active?
  Check in your branch, through SBI online banking, or call customer care. The Ex-SBT accounts have been largely transferred to SBI. Login with your old account number and check status.

• What happens when I enter the old SBT IFSC?
  Your transaction will most probably be denied or reversed Check your payment status notifications and re-try with the correct SBI IFSC.

• Did the account number change after the merger?
  Most of the customers kept their account numbers, but check with your branch in case you are not sure.

Advantages and Disadvantages of the IFSC Code Change

Pros:

• Makes the operations of SBI across the country easy
• Less complicated to integrate with new payment standards and apps
• Minimizes the risk of transaction errors

Cons:

• Old SBT customers were initially confused
• The old IFSC chequebooks/passbooks become obsolete

Tips on Smooth Transactions SBT IFSC and Beyond

• Confirm with the Beneficiary: Always double-check the recipient’s bank and IFSC code, especially for big transfers.
• Bank details: Update your bank details on all the marketplaces, payment gateways, or payroll systems you use.
• Use Digital Apps: Have the apps and official bank websites fill in or verify the IFSC code automatically- this will eliminate typing errors.
• Be Alert: In case you get SMS or emails regarding IFSC changes, do verify with your branch before doing anything.

SBT IFSC Code vs SBI IFSC Code: A Brief Comparison

What in a case where a Merchant/Seller continues to use the old SBT IFSC?

It’s still a common occurrence, especially in rural areas or older business setups. If you receive invoices or supplier details with the “SBTR” code, ask for the updated SBI IFSC. Offer to assist them to update their information with their bank in case it is required.

Real-Life Case Studies: SBT IFSC in Contemporary Banking

• Arjun, Retailer in Kochi: “Last year, I almost lost a payment because my supplier’s proforma invoice had an SBT code that hadn’t worked for months. I learned to always double-check online.”
• Divya, College Student: “When linking my old SBT account to Paytm for a scholarship refund, the app prompted me for the SBI IFSC instead. A quick branch visit cleared things up.”

These tales support the significance of employing the appropriate, revised code-saving time and stress during significant transactions.

How do I change my banking information in the marketplaces or apps?

• Amazon/Flipkart Seller Central: Login to your account and navigate to the bank info page and update the new IFSC code.
• Digital Wallets/UPI Apps: Unlink and re-add old account and make sure the new IFSC is recognized.
• Payroll or Vendor Payments: Inform your employer or clients about the change to prevent bounced payments.

Troubleshooting Payment Failures Connected to SBT IFSC

• Transaction failed immediately: Possibly entered old IFSC-retry using the SBI code.
• Refund pending: Wait a couple of days; if the refund is not made, contact your bank.
• Receiving the same errors on apps: Remove the account and re-add with the correct name of the bank and branch and IFSC.

Quick Recap: SBT Bank IFSC Code in 2025

• SBT was merged with SBI; all the IFSC codes are now in SBI format.
• Old SBT IFSC (SBTR…) is obsolete; always use the updated SBI IFSC (SBIN…).
• Check the right code through official sites, applications, or in your local branch.
• Update your information in all the platforms where you are paid.
• Transactions that have been made with old codes will either fail or be reversed

People Also Ask (FAQs)

1. Is the SBT IFSC code valid in 2025?
No, only new SBI IFSC codes will be applicable to all transactions with former SBT branches.

2. How do I get the new IFSC of my old SBT branch?
Go to the SBI web site, use their branch locator or call the branch itself.

3. Can I pay using my SBT chequebook?
You can use the chequebook, but enter the new IFSC code where necessary. You can ask SBI to provide you with a new one.

4. Do I have to tell clients about my new IFSC?
Yes, particularly when you get payments through NEFT/RTGS/IMPS by companies/marketplaces.

5. What will happen to the transactions sent to the old SBT IFSC?
Payments will mostly be rejected or automatically reversed You might have to re-initiate the transfer using the right code.