SBINBranch Code: 003970

State Bank of India IFSC Code

OAD, LHO, KOLKATA Branch, KOLKATA, KOLKATA, WEST BENGAL

Primary IFSC Code

SBIN0003970

Banking information from our maintained dataset. Last Verified: 23 Sept 2026

The official Indian Financial System Code (IFSC) for State Bank of India, OAD, LHO, KOLKATA branch in KOLKATA, WEST BENGAL is SBIN0003970. The MICR code for cheque clearance is 700002899.

Branch Fact Sheet & Electronic Routing Details

Bank Name: State Bank of India
Branch Name: OAD, LHO, KOLKATA
MICR Code: 700002899
City / District: KOLKATA (KOLKATA)
State: WEST BENGAL
Postal Pincode: N/A

Full Branch Address

SAMRIDDHI,BHAVAN1,STRAND,ROADKOLKATA

Contact Details

Phone: Refer to Net Banking

How to Read IFSC Code: SBIN0003970

An Indian Financial System Code (IFSC) is a unique 11-character alphanumeric code assigned by the Reserve Bank of India to identify bank branches for electronic payment systems.

SBINBank Identifier

First 4 alphabetic characters identify State Bank of India.

0Control Character

5th character is always numeral '0', reserved for future use.

003970Branch Code

Last 6 alphanumeric characters identify the specific physical branch.

Payment Systems Supported by this IFSC Code

Payment System	Settlement Time	Minimum Amount	Availability	Ideal For
NEFT (National Electronic Funds Transfer)	Half-hourly batches	₹1 (No minimum)	24x7x365	Routine bills, small & medium transactions
RTGS (Real Time Gross Settlement)	Real-time instant	₹2,00,000	24x7x365	High-value urgent financial transfers
IMPS (Immediate Payment Service)	Immediate	₹1 (Max ₹5 Lakh)	24x7x365	Instant mobile banking & emergency transfers

Both NEFT and RTGS operate around the clock in India. Always double check the 11-digit IFSC code and recipient account number before submitting your transfer.

Frequently Asked Questions: State Bank of India (SBIN0003970)

What is the IFSC Code for State Bank of India OAD, LHO, KOLKATA branch?

The IFSC Code for State Bank of India OAD, LHO, KOLKATA branch in KOLKATA, WEST BENGAL is SBIN0003970. It is used for NEFT, RTGS, and IMPS funds transfer.

What is the address of State Bank of India OAD, LHO, KOLKATA branch?

The branch is located at: SAMRIDDHI,BHAVAN1,STRAND,ROADKOLKATA, KOLKATA, WEST BENGAL.

What is the MICR Code for State Bank of India OAD, LHO, KOLKATA?

The MICR Code for electronic cheque clearing at State Bank of India OAD, LHO, KOLKATA is 700002899.

How to decipher the IFSC code SBIN0003970?

The first 4 characters 'SBIN' represent State Bank of India. The 5th character is '0' reserved for future use. The last 6 characters '003970' represent the specific OAD, LHO, KOLKATA branch code.