State Bank Of India Smeccc Surat IFSC Code
State Bank Of India
IFSC · Used for NEFT, IMPS & RTGS
MICR · This branch may not process cheques.
Branch
Smeccc Surat
District
Secc Surat
State
Gujarat
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Frequently Asked Questions
About State Bank Of India Smeccc Surat (sbi - 5020), Secc Surat
The IFSC code SBIN0005020 (lowercase: sbin0005020) belongs to State Bank Of India, specifically the Smeccc Surat (sbi - 5020) branch located in Secc Surat, Gujarat.
The 5th character in the IFSC code SBIN0005020 is a zero (0), not the letter 'O'. The correct format is SBIN0005020 (lowercase: sbin0005020), and not SBINO005020. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of State Bank Of India Smeccc Surat (sbi - 5020) in Secc Surat, Gujarat is SBIN0005020. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
State Bank Of India Smeccc Surat (sbi - 5020) is located at Sbi, 1st Flr,udna Udyognagar Branch,surat, Secc Surat, Gujarat. You can click the "View on Google Maps" button on this page to get directions.
The MICR code for State Bank Of India Smeccc Surat (sbi - 5020) in Secc Surat is printed at the bottom of your cheque leaf. If you cannot locate it, contact your branch directly or check your passbook.
Yes. IFSC code SBIN0005020 is valid for all three RBI-regulated transfer modes: NEFT (settled in 30-minute batches, no minimum), RTGS (real-time, minimum ₹2 lakh), and IMPS (instant, up to ₹5 lakh). All modes are available 24×7×365 as per RBI guidelines issued in December 2019.
You can verify IFSC code SBIN0005020 by checking: (1) The top-left corner of any State Bank Of India Smeccc Surat (sbi - 5020) cheque leaf, (2) The first page of your State Bank Of India passbook, (3) Your net banking or mobile banking app under "Branch Details", or (4) The RBI's official IFSC lookup at rbi.org.in.
Understanding IFSC Code: SBIN0005020
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
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SBIN0005020
What Each Part Means
- Bank Code — SBIN
- The first 4 characters uniquely identify State Bank Of India at the national level. Every branch of State Bank Of India across all states shares this same prefix. It is assigned by the RBI and never changes.
- Reserved — 0
- The 5th character is always 0 (zero), reserved by the RBI for future use. It acts as a separator between the bank identifier and the branch-specific code and is mandatory in all electronic fund transfer systems.
- Branch Code — 005020
- The final 6 characters 005020 uniquely identify this specific branch within the State Bank Of India network. No two branches share the same branch code. Use this code to verify you have the correct branch before initiating any NEFT, RTGS, or IMPS transfer.
| Segment | Chars | Value | Purpose |
|---|---|---|---|
| Bank Code | 1–4 | SBIN | Identifies State Bank Of India |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 005020 | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
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State Bank Of India
Smeccc Surat (sbi - 5020), Secc Surat, Gujarat
Cheque No.
00005020
A/c No.
Authorised Signatory
IFSC vs MICR — Functional Comparison
Two different codes, two different banking systems
| Feature | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Length & Format | 11 characters — alphanumeric | 9 digits — numeric only |
| This Branch | SBIN0005020 | Not available |
| Primary Use | Electronic fund transfers: NEFT, RTGS, IMPS, UPI | Physical cheque clearing at clearing houses |
| Medium | Digital / online — no physical document needed | Printed in magnetic ink on cheque leaf bottom band |
| Processing Speed | Real-time (IMPS/UPI) or 30-min batches (NEFT) | T+1 or T+2 clearing cycle via RBI clearing houses |
| Where to Find It | Cheque leaf (top area), passbook first page, net banking | Bottom band of cheque leaf (the printed magnetic strip) |
| Assigned By | RBI — permanent unless branch is relocated/merged | RBI — encodes city (3) + bank (3) + branch (3) digits |
| Required For | Adding a payee / beneficiary for online transfer | Cheque book issuance and clearing house processing |
Source: Reserve Bank of India (RBI) Payment Systems Guidelines. IFSC mandatory for NEFT/RTGS/IMPS since 2010; MICR used by CTS-2010 standard cheque clearing.