State Bank of India
ADB USGAON BRANCH
Understanding IFSC Code: The Digital DNA of State Bank of India
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the ADB USGAON
branch of State Bank of India, the code SBIN0001978 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the SBIN0001978 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"SBIN" represents State Bank of India
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for ADB USGAON
Payment Systems Supported by SBIN0001978
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—403002032—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The State Bank of India in USGAON typically follows the RBI holiday calendar. Digital transfers via SBIN0001978 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While SBIN0001978 is the valid code for ADB USGAON at USGAON, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • State Bank of India Branch List
- • USGAON IFSC Codes
- • Swift Code for State Bank of India
- • Bank Holiday in GOA
Financial Tools
- • GST Calculator Online
- • Personal Loan EMI Calc
- • FD Interest Rates 2026
- • Currency Converter
Branch Context
- • ADB USGAON Contact
- • Address of State Bank of India
- • MICR Code Finder
- • GOA Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
INDEXING TAGS: State Bank of India SBIN0001978 code, find ADB USGAON branch details, State Bank of India USGAON contact number, GOA bank ifsc list, anand design banking suite, ifsc finder 2026, free bank branch locator, micr code for State Bank of India USGAON, online neft rtgs imps guide india, how to find ifsc code of State Bank of India.