State Bank of India — JAYANAGAR DHARWAD Branch

How to Use SBIN0040973 for Money Transfers

The IFSC code SBIN0040973 is specifically assigned to the JAYANAGAR DHARWAD branch of State Bank of India located in DHARWAD, KARNATAKA. This unique code is mandatory for routing electronic payments correctly within India.

NEFT Transfer

Use SBIN0040973 when adding this branch as a beneficiary in NEFT transactions. NEFT operates in half-hourly batches from 12:30 AM to 12:00 AM on all days. Enter the IFSC, account number, and account holder name carefully to ensure successful transfer.

RTGS Transfer

For high-value transactions above ₹2 lakh, RTGS offers real-time gross settlement. Use SBIN0040973 along with the beneficiary's exact account number. RTGS is available on working days from 7:00 AM to 6:00 PM.

IMPS & UPI

IMPS and UPI allow instant 24×7 transfers. While UPI apps often auto-resolve the IFSC from the VPA, mobile banking apps require SBIN0040973 when registering a new beneficiary.

Always double-check the account number before confirming any transfer — the IFSC routes funds to the correct branch, but the account number specifies the exact recipient.

About State Bank of India JAYANAGAR DHARWAD Branch

The JAYANAGAR DHARWAD branch of State Bank of India is situated in DHARWAD, KARNATAKA. The branch address is NO 79 BY A BY 12 BY SP MUNICIPAL NO 10920 WARD NO 14 SAPTAPUR JAYANAGAR DHARWAD PIN 580008. This branch supports electronic payment services including NEFT, RTGS, IMPS, and UPI. You can contact this branch at +918362444161. Always use the IFSC code SBIN0040973 when making any online fund transfer to an account held at this branch.