Last updated on: August 6, 2025

State Bank of India IFSC Code: The 2025 User Guide

In today’s fast-paced digital era, knowing your State Bank of India (SBI) IFSC code is essential for almost every type of online banking transaction. The IFSC code is an electronic address of the SBI branches in the country, whether you are sending money to a relative, purchasing goods on an online marketplace, or just managing personal finances. By 2025, more digital payments and tighter financial regulations are making knowledge and usage of SBI IFSC codes more important than ever.

The guide is an up-to-date and practical source of knowledge on State Bank of India IFSC codes, including what they are, where to find them, why they are important, and how to use them easily in your everyday financial life.

What is an IFSC Code and Why Does SBI Use It?

IFSC stands for “Indian Financial System Code.” It is an 11-digit alpha-numeric code that is used to identify uniquely each bank branch in India that is involved in online fund transfer.

Since the State Bank of India is India s largest bank with thousands of branches and digital presence in small towns to metros, the IFSC codes are being used to ensure that transactions, such as NEFT, RTGS, IMPS, and UPI are processed at a fast rate and reach the intended branch every time. It is like a special postal code to your bank branch, where there is no confusion when transferring funds.

What is the Structure of SBI IFSC Code? (With Example)

All SBI IFSC codes are of a common pattern:

• It is always 11 characters
• The first 4 letters: Identify the bank (for SBI, it’s always ‘SBIN’)
• The 5th character: Is always zero (0), held for future use
• The last 6 numbers: Find out the particular branch

Example:
The IFSC code of the State Bank of India Connaught Place branch in New Delhi is:
SBIN0000691

Here is a breakdown:

Why is it important to know the SBI IFSC code in 2025?

By 2025, the application of secure, real-time and error-free digital financial transactions is at its peak. The following are the key reasons why you need to know your SBI IFSC code:

• Secure Digital Transactions: All NEFT, RTGS, IMPS and even UPI bank account transfer requires it to work.
• Online Shopping and Marketplaces: Marketplaces such as Amazon, Flipkart, and small business portals will require your IFSC code when you are a seller or want your refunds credited to your account.
• Salary and Business Payments: Many employers and clients (including for gig/freelance work) require accurate IFSC details for quick and error-free deposits.
• Avoiding Mistakes: A single incorrect code can transfer your money to a different branch or even halt the transfer.

How to locate your State Bank of India IFSC Code in 2025

1. How Can I Get the IFSC Code of My SBI Account?

The following are the most effective and up to date ways of finding your SBI IFSC code:

• Bank Passbook/Statement: It is printed on the first page of your passbook and listed in digital statements.
• Chequebook: On the top/proprietary section of all SBI cheque leaves and branch information.
• Official SBI Website: The branch locator tool of SBI enables you to search by name, location, or code.
• SBI YONO App/SBI Net Banking Portal: Log in to your account, go to account details- your branch IFSC will be displayed directly.
• Customer Care: Call the SBI helpline (toll-free) or visit your home branch.
• Third-party Marketplaces & Billers: Third-party online payment sites and platforms like Paytm, Amazon Pay, and PhonePe can automatically identify your branch IFSC when connecting accounts.

2. Is it possible to search SBI IFSC Codes using Google?

You can search for “SBI IFSC Code [Branch Name/Area]” on Google, but always cross-check with SBI’s official platforms or your account documents. The risks of phishing and fraud are increasing in 2025, so it is better to rely on proven sources.

What SBI Digital Services Require the IFSC Code?

What Will Happen When I Enter the Wrong SBI IFSC Code?

• Failed Transaction: IFSC codes are checked by most platforms and a mismatch results in failed or held transfers.
• Wrong Branch, Same Bank: Sometimes money reaches correct account but is delayed or reviewed manually.
• Refund/Return Problems: Refunds may fail or be delayed if IFSC is incorrect.
• Reversal Hassles: Wrong transfers may need formal complaints to recover.

Pro Tip (2025): Most payment apps now display branch details after IFSC entry. Always double-check.

What is the difference between FSC Code vs MICR Code vs SWIFT Code?

SBI IFSC Code: Step-by-Step Guide

1. Start Your Transaction
   Log in to SBI net banking, mobile app or any third party payment portal.
2. Add a Beneficiary/Payee
   Enter payee name, SBI account number and IFSC code.
3. Branch Information
   Most apps/portals auto-fetch branch name after IFSC, cross-check thoroughly.
4. Initiate Transfer
   Transact fully through NEFT, RTGS, or IMPS.
5. Confirmation
   Successful submissions provide a reference/UTR number.

Digital Wallets & Online Marketplaces

You will be asked to enter your SBI account IFSC code when purchasing on Flipkart as a seller so that the seller remittances can be made. On the same note, as a freelancer, payment platforms like Upwork or Fiverr require it to withdraw INR to your State Bank account.

List: Top 10 Frequently Used SBI IFSC Codes (2025)

Can I Share My SBI IFSC Code?

Absolutely. Your SBI IFSC code is meant to be shared (along with account number) for receiving payments. Unlike passwords or OTPs, IFSC codes are not secret and do not present a security risk in themselves. Nevertheless, do not give your SBI netbanking credentials, PIN, or OTP to anyone.

SBI IFSC Code: Real-Life Quick Tips in 2025

• Never trust the information shown about branches.
• Apps tend to retrieve your IFSC automatically through mobile or Aadhaar number.
• Do not share or update account information without checking.

Moving Branches:
If you transfer your account to a new branch, your IFSC will change. Update it for salary, EMIs, etc.

Old Account Numbers:
Ensure IFSC is current after mergers/rebranding.

When a Branch Closes/Merges:

• Accounts move to a nearby branch
• New IFSC is assigned
• Notifications are sent via SMS, email or letter

Quick Recap: SBI IFSC Code Essentials (TLDR for Busy Readers)

• FSC code = unique SBI branch identifier for online transfers
• 11 characters: SBIN + 0 + 6-digit branch code
• Find it on: passbook, cheque, SBI site/app, customer care
• Required for: NEFT, RTGS, IMPS, UPI linking, salaries, credits
• Update after branch changes/mergers
• Share it freely (not your OTPs or passwords)
• Always verify on official platforms

FAQs about SBI IFSC Code

Q1: Do I need a different SBI IFSC code to each of my accounts?
No, you have to use the IFSC code of the SBI branch where you have an account. In case you have several accounts in various branches, each of them has its own IFSC code.

Q2: What should I do to rectify a payment in case I have entered the wrong IFSC code?
Immediately contact your bank and the sender bank. In case of money being stuck or sent to a wrong branch, reversal can be initiated but it is always advisable to check before confirming transfers.

Q3: Can IFSC codes change in future?
Yes–when SBI merges or changes branches or following regulatory changes Never share or update account information without verifying first.

Q4: What is the difference between SBI IFSC code and branch code?
Yes. IFSC code includes the branch code (last 6 digits), but branch code alone is not enough for fund transfers.

Q5: Do we also require IFSC codes in UPI?
In the majority of UPI usage, you only need the account and mobile number; however, when connecting certain bank accounts or when payments fail, IFSC may be required.

In 2025 and beyond, being able to work with your SBI IFSC code is not only a good banking habit, but a digital requirement. As fintech booms, online marketplaces and payment apps continue to multiply, the right IFSC code is a guarantee that your money will always get to where it should, safely and efficiently.