IFSC Code SBIN0004812 - State Bank Of India Khepa Garampani
DT NORTH CACHAR HILLS ASSAM 788931
Quick Info
IFSC: SBIN0004812
Pincode: 788931
District: North Cachar Hills
Status: Active
About State Bank Of India Khepa Garampani
IFSC Code SBIN0004812 belongs to State Bank Of India Khepa Garampani branch located in Umrangso, North Cachar Hills, Assam. This branch serves customers in Umrangso, North Cachar Hills, Assam and surrounding areas.
Understanding IFSC Code SBIN0004812
The IFSC (Indian Financial System Code) SBIN0004812 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 (004812): Unique branch identifier for Khepa Garampani
Electronic Fund Transfer Services
IFSC Code SBIN0004812 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 Khepa Garampani branch is located at DT NORTH CACHAR HILLS ASSAM 788931 (Pincode: 788931) in Umrangso, North Cachar Hills, Assam. This location serves customers in Umrangso, North Cachar Hills, Assam and nearby areas. When initiating any electronic fund transfer to an account held at this branch, you must use IFSC Code SBIN0004812 to ensure the transaction is routed correctly.
How to Use IFSC Code SBIN0004812
When making online fund transfers to an account at this branch, you will need:
- IFSC Code: SBIN0004812 (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 Umrangso, North Cachar Hills, Assam 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: | SBIN0004812 |
| Bank Name: | State Bank Of India |
| Branch Name: | Khepa Garampani |
| Address: | DT NORTH CACHAR HILLS ASSAM 788931 |
| City: | Umrangso |
| District: | North Cachar Hills |
| State: | Assam |
| Pincode: | 788931 |
Payment Services Available
State Bank Of India Khepa Garampani Branch IFSC Code SBIN0004812 — Complete Banking Guide for Umrangso, Assam
IFSC code SBIN0004812 belongs to the Khepa Garampani branch of State Bank Of India in Umrangso, North Cachar Hills district, Assam. 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 SBIN0004812 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, Khepa Garampani Branch
The Khepa Garampani branch of State Bank Of India in Umrangso, Assam serves retail and corporate customers in North Cachar Hills 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 SBIN0004812 is the key identifier for all fund transfers routed to accounts at this location through RBI's payment systems.
Payment Methods Using IFSC SBIN0004812
Four primary digital payment rails use IFSC SBIN0004812 for transfers to State Bank Of India, Khepa Garampani: 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 SBIN0004812 against the RBI IFSC master list before processing the payment.
MICR Code and Branch Details
In addition to the IFSC, the Khepa Garampani branch of State Bank Of India in Umrangso 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 SBIN0004812 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 SBIN0004812 Before Transferring
Before initiating any high-value transfer to IFSC SBIN0004812, 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 Khepa Garampani, Umrangso IFSC
What is the IFSC of State Bank Of India Khepa Garampani in Umrangso?
The IFSC of State Bank Of India, Khepa Garampani branch in Umrangso, Assam is SBIN0004812. Use this for NEFT, RTGS, IMPS, and UPI transfers to any account at this branch.
What is the minimum amount for NEFT to IFSC SBIN0004812?
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 SBIN0004812 to route funds to State Bank Of India, Khepa Garampani, Umrangso.
Who assigns IFSC codes like SBIN0004812?
The Reserve Bank of India (RBI) assigns all IFSC codes in India. State Bank Of India applied for the IFSC for its Khepa Garampani branch in Umrangso, and RBI issued SBIN0004812 as the unique identifier. The complete list of valid IFSCs is maintained in RBI's IFSC master directory.
Can I use IFSC SBIN0004812 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 SBIN0004812 at State Bank Of India, Khepa Garampani, Umrangso. When sending money via NEFT/RTGS/IMPS to this branch's account holders, always use IFSC SBIN0004812.
About IFSC Code SBIN0004812
IFSC Code SBIN0004812 belongs to State Bank Of India branch Khepa Garampani located in Umrangso, North Cachar Hills, Assam.
Branch Information
- IFSC Code: SBIN0004812
- Bank: State Bank Of India
- Branch: Khepa Garampani
- Address: DT NORTH CACHAR HILLS ASSAM 788931
- City: Umrangso
- District: North Cachar Hills
- State: Assam
- Pincode: 788931
Payment Services
- NEFT: Available
- RTGS: Available
- IMPS: Available
- UPI: Available