State Bank of India IFSC Code SBIN0004047

State Bank of India – KARNAL – HARYANA

Last verified: 27-10-2026

IFSC Code: SBIN0004047

MICR Code: 132002104

SWIFT Code: SBININBB187

Branch details

Address: AMBEDKAR CHOWK, KARNAL, HARYANA, PIN 132001

City: KARNAL

State: HARYANA

How to Use IFSC Code ‘SBIN0004047’ for Bank Transfers

SBIN0004047 is the IFSC code for the State Bank of India. The IFSC is used to identify the beneficiary bank branch for electronic fund transfers such as NEFT and RTGS.

NEFT

To send money through NEFT, enter the beneficiary’s:

• Account holder name
• Bank account number
• IFSC code: SBIN0004047
• Bank name: State Bank of India
• Branch name: SCB KARNAL

Make sure the account number and IFSC are correct before confirming the transaction. RBI guidance emphasizes the importance of providing correct beneficiary account details.

RTGS

RTGS transactions are available for amounts of ₹2 lakh and above, subject to applicable bank guidelines.

Enter SBIN0004047 as the beneficiary’s IFSC when your bank asks for the branch IFSC.

IMPS

IMPS can be used for instant bank transfers when supported by your bank. When adding a beneficiary, enter the correct State Bank of India account number and IFSC where your banking app requires it.

How to Verify SBIN0004047 Before Transferring Money

Before making a transfer:

• Confirm that the IFSC is SBIN0004047.
• Check that the bank name and branch match the beneficiary’s details.
• Carefully verify the account number.
• Confirm the beneficiary name shown by your banking application, where available.
• If you have any doubt, verify the details with the beneficiary or State Bank of India before sending money.

Important: An incorrect account number can result in funds being credited incorrectly. RBI guidance says the account number is relied upon for crediting the beneficiary, so it should be checked carefully.

Indian Financial System Code (IFSC): SBIN0004047

The IFSC is an 11-character alphanumeric code used to identify bank branches in India for electronic payment systems such as RTGS, NEFT, IMPS, and CFMS (managed by the Reserve Bank of India).

• The first four characters represent the bank name.
• The fifth character is always ‘0’ and is reserved for future use.
• The last six characters (004047) identify the specific branch.

How to Use SWIFT Code ‘SBININBB187’ for International Transfers

SBININBB187 is the SWIFT/BIC code associated with State Bank of India Branch in KARNAL, IN. A SWIFT or BIC code is used to identify a bank or financial institution when sending or receiving international payments.

• SBININBB187 Bank Details
• Bank: State Bank of India
• Branch:
• SWIFT/BIC Code: SBININBB187
• City: KARNAL
• Country: IN
• How to Use SBININBB187 for International Money Transfers

If you are sending money internationally to an account at [Bank], your bank may ask for the beneficiary’s:

• Account holder name
• Bank account number or IBAN, where applicable
• Bank name
• Bank address
• SWIFT/BIC code: SBININBB187

Enter the SWIFT/BIC code exactly as provided by the beneficiary or receiving bank.

How to Verify SBININBB187 Before Sending Money

Before making an international transfer, verify:

• The SWIFT/BIC code is SBININBB187.
• The bank name is State Bank of India.
• The branch and bank location are correct.
• The beneficiary’s account number or IBAN is correct.
• The beneficiary’s name matches the information provided by the receiving bank.

If you are unsure whether the SWIFT/BIC code is correct or active, confirm the details with the receiving bank before sending money.

SWIFT Code (BIC): SBININBB187

A SWIFT code, also known as a Business Identifier Code (BIC), is a standardized format used to identify banks and financial institutions worldwide. It acts as a unique international identifier that specifies both the bank and its location.

These codes are primarily used for transferring money between banks, especially for international wire transfers and SEPA payments. Additionally, SWIFT codes are used for secure communication and message exchange between financial institutions.

SWIFT Code Format: SBININBB187

• Bank Code: Identifies the bank (usually 4 letters)
• Country Code: Represents the country (2 letters – ISO standard)
• Location Code: Indicates the city or location of the bank (2 characters: letters or numbers)
• Branch Code: Specifies the branch (3 characters)

MICR Code (Magnetic Ink Character Recognition): 132002104

The MICR code is a unique code printed on cheques using magnetic ink. It helps in the secure and faster processing and clearance of cheques by identifying the bank and branch.