Overview of IFSC Code SGBA0000278: The IFSC code SGBA0000278 uniquely identifies the Saurashtra Gramin Bank branch located at Chogath in the Bhavnagar district of Gujarat. This 11-digit alphanumeric code is mandatory for routing electronic fund transfers like NEFT, RTGS, and IMPS to the correct bank account.

IFSC Code SGBA0000278 - Saurashtra Gramin Bank Chogath

SGBA0000278 Saurashtra Gramin Bank Chogath Bhavnagar Gujarat

NR UMRADA CHOWKDI

View all Saurashtra Gramin Bank branches
Quick Info

IFSC: SGBA0000278

District: BHAVNAGAR

Status: Active

About Saurashtra Gramin Bank Chogath

IFSC Code SGBA0000278 belongs to Saurashtra Gramin Bank Chogath branch located in Chogath, Bhavnagar, Gujarat. This branch serves customers in Chogath, Bhavnagar, Gujarat and surrounding areas.

Understanding IFSC Code SGBA0000278

The IFSC (Indian Financial System Code) SGBA0000278 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 (SGBA): Bank code identifying Saurashtra Gramin Bank
  • 5th character (0): Reserved for future use (always 0)
  • Last 6 characters (000278): Unique branch identifier for Chogath
Electronic Fund Transfer Services

IFSC Code SGBA0000278 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 Saurashtra Gramin Bank Chogath branch is located at NR UMRADA CHOWKDI in Chogath, Bhavnagar, Gujarat. This location serves customers in Chogath, Bhavnagar, Gujarat and nearby areas. When initiating any electronic fund transfer to an account held at this branch, you must use IFSC Code SGBA0000278 to ensure the transaction is routed correctly.

How to Use IFSC Code SGBA0000278

When making online fund transfers to an account at this branch, you will need:

  1. IFSC Code: SGBA0000278 (for NEFT, RTGS, IMPS)
  2. Account Number: The recipient's account number
  3. Account Holder Name: As registered with the bank
Important: Always verify the IFSC code before initiating any fund transfer. Incorrect IFSC codes can result in failed transactions or funds being sent to the wrong branch. This IFSC code information is verified from official Reserve Bank of India (RBI) records and is updated regularly to ensure accuracy.
Finding Other Saurashtra Gramin Bank Branches

If you're looking for other Saurashtra Gramin Bank branches in Chogath, Bhavnagar, Gujarat or nearby areas, use our Saurashtra Gramin Bank branch finder. You can search by city, district, or state to find all Saurashtra Gramin Bank branches with their respective IFSC codes.

Branch Details
IFSC Code: SGBA0000278
Bank Name: Saurashtra Gramin Bank
Branch Name: Chogath
Address: NR UMRADA CHOWKDI
City: Chogath
District: Bhavnagar
State: Gujarat
Payment Services Available
NEFT
Available
RTGS
Available
IMPS
Available
UPI
Available
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Saurashtra Gramin Bank Chogath Branch IFSC Code SGBA0000278 — Complete Banking Guide for Chogath, Gujarat

IFSC code SGBA0000278 belongs to the Chogath branch of Saurashtra Gramin Bank in Chogath, Bhavnagar district, Gujarat. 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 SGBA0000278 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 Saurashtra Gramin Bank, Chogath Branch

The Chogath branch of Saurashtra Gramin Bank in Chogath, Gujarat serves retail and corporate customers in Bhavnagar 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 SGBA0000278 is the key identifier for all fund transfers routed to accounts at this location through RBI's payment systems.

Payment Methods Using IFSC SGBA0000278

Four primary digital payment rails use IFSC SGBA0000278 for transfers to Saurashtra Gramin Bank, Chogath: 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 SGBA0000278 against the RBI IFSC master list before processing the payment.

MICR Code and Branch Details

In addition to the IFSC, the Chogath branch of Saurashtra Gramin Bank in Chogath 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 SGBA0000278 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 SGBA0000278 Before Transferring

Before initiating any high-value transfer to IFSC SGBA0000278, verify the code through: (1) the RBI's official IFSC repository at rbi.org.in; (2) Saurashtra Gramin Bank'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 — Saurashtra Gramin Bank Chogath, Chogath IFSC

What is the IFSC of Saurashtra Gramin Bank Chogath in Chogath?

The IFSC of Saurashtra Gramin Bank, Chogath branch in Chogath, Gujarat is SGBA0000278. Use this for NEFT, RTGS, IMPS, and UPI transfers to any account at this branch.

What is the minimum amount for NEFT to IFSC SGBA0000278?

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 SGBA0000278 to route funds to Saurashtra Gramin Bank, Chogath, Chogath.

Who assigns IFSC codes like SGBA0000278?

The Reserve Bank of India (RBI) assigns all IFSC codes in India. Saurashtra Gramin Bank applied for the IFSC for its Chogath branch in Chogath, and RBI issued SGBA0000278 as the unique identifier. The complete list of valid IFSCs is maintained in RBI's IFSC master directory.

Can I use IFSC SGBA0000278 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 SGBA0000278 at Saurashtra Gramin Bank, Chogath, Chogath. When sending money via NEFT/RTGS/IMPS to this branch's account holders, always use IFSC SGBA0000278.

About IFSC Code SGBA0000278

IFSC Code SGBA0000278 belongs to Saurashtra Gramin Bank branch Chogath located in Chogath, Bhavnagar, Gujarat.

Branch Information

  • IFSC Code: SGBA0000278
  • Bank: Saurashtra Gramin Bank
  • Branch: Chogath
  • Address: NR UMRADA CHOWKDI
  • City: Chogath
  • District: Bhavnagar
  • State: Gujarat

Payment Services

  • NEFT: Available
  • RTGS: Available
  • IMPS: Available
  • UPI: Available
Note: IFSC (Indian Financial System Code) is an 11-character code used to identify bank branches for electronic fund transfers (NEFT, RTGS, IMPS). Always verify the IFSC code before initiating any transaction.

Frequently Asked Questions

IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches for electronic fund transfers. You can find IFSC code using our IFSC code search tool by entering the bank name, branch name, or the IFSC code itself.

To check IFSC code, use our IFSC code search tool. Enter the bank name and branch name, or search by IFSC code directly. You can also find banks near me by searching with your location.

IFSC code format consists of 11 characters: first 4 characters represent the bank name, followed by a zero (0), and the last 6 characters represent the branch code. For example, HDFC0001234 where HDFC is the bank code and 001234 is the branch code.

To find banks near me, use our IFSC finder tool. Enter your city or location, and we will show you all nearby bank branches with their IFSC codes, addresses, and contact details.

IFSC code is used for electronic fund transfers (NEFT, RTGS, IMPS) and is 11 characters long. MICR code is used for cheque processing and is 9 digits long. Both codes uniquely identify a bank branch.

You can verify IFSC code using our check IFSC code tool. Enter the IFSC code, and we will display the complete branch details including bank name, branch name, address, and available payment services (NEFT, RTGS, IMPS, UPI).

Yes, IFSC code is required for all electronic fund transfer methods including NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service). Our tool shows which services are available for each branch.

To get IFSC code by bank name and branch, use our search tool. Select "Search by Bank & Branch" option, enter the bank name (e.g., Saurashtra Gramin Bank) and branch name, and we will display the complete IFSC code details.