IFSC Code SBIN0002864 - State Bank Of India Kharsia
PB N0.1 DABHRA ROAD DISTT. RAIGARH CHHATTISGARH 496 661
Quick Info
IFSC: SBIN0002864
Pincode: 496661
District: Raigarh
Status: Active
About State Bank Of India Kharsia
IFSC Code SBIN0002864 belongs to State Bank Of India Kharsia branch located in Kharsia, Raigarh, Chhattisgarh. This branch serves customers in Kharsia, Raigarh, Chhattisgarh and surrounding areas.
Understanding IFSC Code SBIN0002864
The IFSC (Indian Financial System Code) SBIN0002864 is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to uniquely identify this specific bank branch. The code structure follows a specific format:
- First 4 characters (SBIN): Bank code identifying State Bank Of India
- 5th character (0): Reserved for future use (always 0)
- Last 6 characters (002864): Unique branch identifier for Kharsia
Electronic Fund Transfer Services
IFSC Code SBIN0002864 is essential for all electronic fund transfers in India. This code ensures that money transfers are routed to the correct bank branch. The following payment systems use IFSC codes:
NEFT (National Electronic Funds Transfer)
Batch processing system for fund transfers. Available Yes at this branch.
Processing: Multiple batches daily, typically settles within 2 hours during banking hours.
RTGS (Real Time Gross Settlement)
Real-time fund transfer for high-value transactions (minimum ₹2 lakh). Available Yes at this branch.
Processing: Real-time settlement, typically within minutes during RTGS hours.
IMPS (Immediate Payment Service)
24/7 instant fund transfer service via mobile or internet banking. Available Yes at this branch.
Processing: Instant transfer, available 24/7 including holidays.
UPI (Unified Payments Interface)
Instant mobile payment system using UPI ID or QR code. Available Yes at this branch.
Processing: Instant transfer, available 24/7, no IFSC code needed for UPI transactions.
Branch Location and Accessibility
The State Bank Of India Kharsia branch is located at PB N0.1 DABHRA ROAD DISTT. RAIGARH CHHATTISGARH 496 661 (Pincode: 496661) in Kharsia, Raigarh, Chhattisgarh. This location serves customers in Kharsia, Raigarh, Chhattisgarh and nearby areas. When initiating any electronic fund transfer to an account held at this branch, you must use IFSC Code SBIN0002864 to ensure the transaction is routed correctly.
How to Use IFSC Code SBIN0002864
When making online fund transfers to an account at this branch, you will need:
- IFSC Code: SBIN0002864 (for NEFT, RTGS, IMPS)
- Account Number: The recipient's account number
- Account Holder Name: As registered with the bank
Finding Other State Bank Of India Branches
If you're looking for other State Bank Of India branches in Kharsia, Raigarh, Chhattisgarh or nearby areas, use our State Bank Of India branch finder. You can search by city, district, or state to find all State Bank Of India branches with their respective IFSC codes.
Branch Details
| IFSC Code: | SBIN0002864 |
| Bank Name: | State Bank Of India |
| Branch Name: | Kharsia |
| Address: | PB N0.1 DABHRA ROAD DISTT. RAIGARH CHHATTISGARH 496 661 |
| City: | Kharsia |
| District: | Raigarh |
| State: | Chhattisgarh |
| Pincode: | 496661 |
Payment Services Available
State Bank Of India Kharsia Branch IFSC Code SBIN0002864 — Complete Banking Guide for Kharsia, Chhattisgarh
IFSC code SBIN0002864 belongs to the Kharsia branch of State Bank Of India in Kharsia, Raigarh district, Chhattisgarh. This 11-character code, assigned by the Reserve Bank of India, is mandatory for all digital fund transfers — NEFT, RTGS, IMPS, and UPI. Every payment initiated to an account at this branch must include IFSC SBIN0002864 to ensure accurate routing through India's centralised payment infrastructure. Providing an incorrect IFSC may delay or fail the transaction, so always verify the code before confirming any transfer.
About State Bank Of India, Kharsia Branch
The Kharsia branch of State Bank Of India in Kharsia, Chhattisgarh serves retail and corporate customers in Raigarh district with a full range of banking products. Services typically include savings and current accounts, fixed and recurring deposits, personal and home loans, vehicle finance, trade finance, locker facilities, and wealth management. The branch also supports digital banking — internet banking, mobile banking, UPI, and contactless debit/credit card issuance. Its IFSC SBIN0002864 is the key identifier for all fund transfers routed to accounts at this location through RBI's payment systems.
Payment Methods Using IFSC SBIN0002864
Four primary digital payment rails use IFSC SBIN0002864 for transfers to State Bank Of India, Kharsia: NEFT — batch-based, 48 half-hourly settlements daily, no minimum amount, ideal for regular transfers; RTGS — real-time, 24×7, minimum ₹2 lakh, used for high-value transactions; IMPS — instant, 24×7, up to ₹5 lakh, best for urgent transfers; UPI — uses Virtual Payment Address (VPA) linked to accounts at this branch, instant and zero-cost for most transactions. For each method, the sender's bank verifies IFSC SBIN0002864 against the RBI IFSC master list before processing the payment.
MICR Code and Branch Details
In addition to the IFSC, the Kharsia branch of State Bank Of India in Kharsia carries a MICR (Magnetic Ink Character Recognition) code — a 9-digit number printed on cheques that identifies the bank, city, and branch for cheque clearing through the MICR-based clearing system. While NEFT/RTGS/IMPS use the IFSC SBIN0002864 exclusively for electronic transfers, MICR remains relevant for paper-based cheque processing. Both codes are listed on this page for complete branch reference.
How to Verify IFSC SBIN0002864 Before Transferring
Before initiating any high-value transfer to IFSC SBIN0002864, verify the code through: (1) the RBI's official IFSC repository at rbi.org.in; (2) State Bank Of India's official website branch locator; (3) MahaFind's IFSC lookup — the page you are currently viewing. Cross-reference the branch address and bank name displayed here against the details provided by your recipient to confirm accuracy. A mismatch in even one character of the IFSC can reroute your transfer to a different branch entirely.
FAQs — State Bank Of India Kharsia, Kharsia IFSC
What is the IFSC of State Bank Of India Kharsia in Kharsia?
The IFSC of State Bank Of India, Kharsia branch in Kharsia, Chhattisgarh is SBIN0002864. Use this for NEFT, RTGS, IMPS, and UPI transfers to any account at this branch.
What is the minimum amount for NEFT to IFSC SBIN0002864?
There is no minimum amount for NEFT transfers. You can send as little as ₹1. RTGS requires a minimum of ₹2 lakh. IMPS supports up to ₹5 lakh per transaction. All three use IFSC SBIN0002864 to route funds to State Bank Of India, Kharsia, Kharsia.
Who assigns IFSC codes like SBIN0002864?
The Reserve Bank of India (RBI) assigns all IFSC codes in India. State Bank Of India applied for the IFSC for its Kharsia branch in Kharsia, and RBI issued SBIN0002864 as the unique identifier. The complete list of valid IFSCs is maintained in RBI's IFSC master directory.
Can I use IFSC SBIN0002864 for UPI payments?
UPI payments are linked to a Virtual Payment Address (VPA) rather than an IFSC directly, but the underlying account is mapped to IFSC SBIN0002864 at State Bank Of India, Kharsia, Kharsia. When sending money via NEFT/RTGS/IMPS to this branch's account holders, always use IFSC SBIN0002864.
About IFSC Code SBIN0002864
IFSC Code SBIN0002864 belongs to State Bank Of India branch Kharsia located in Kharsia, Raigarh, Chhattisgarh.
Branch Information
- IFSC Code: SBIN0002864
- Bank: State Bank Of India
- Branch: Kharsia
- Address: PB N0.1 DABHRA ROAD DISTT. RAIGARH CHHATTISGARH 496 661
- City: Kharsia
- District: Raigarh
- State: Chhattisgarh
- Pincode: 496661
Payment Services
- NEFT: Available
- RTGS: Available
- IMPS: Available
- UPI: Available