Branch Details — SBIN0004046
| Bank Name | State Bank of India |
| Branch Name | SPL Commercial Branch, Millerganj |
| IFSC Code | SBIN0004046 |
| MICR Code | 141002028 |
| Bank Code (RBI) | SBIN |
| Branch Code | 004046 |
| Address | PAHWA.HOSPITAL.COMPLEX,MILLERGANJ,LUDHIANA,PUNJAB,PIN.141003. |
| City | Ludhiana |
| District | Ludhiana |
| State | Punjab |
| Toll Free | 1800-11-2211 |
| SWIFT Code | SBININBB121 (international) |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using SBIN0004046
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC SBIN0004046.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC SBIN0004046.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is SBIN0004046. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at State Bank of India SPL Commercial Branch, Millerganj branch, Ludhiana, Punjab.
The MICR code is 141002028. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: PAHWA.HOSPITAL.COMPLEX,MILLERGANJ,LUDHIANA,PUNJAB,PIN.141003.. Branch timings: Monday–Friday 9:30 AM – 3:30 PM, Saturday 9:30 AM – 1:30 PM (closed 2nd/4th Saturdays).
SBIN identifies State Bank of India. The 5th character 0 is reserved by RBI. The last 6 characters 004046 identify the SPL Commercial Branch, Millerganj branch.
Yes. State Bank of India SPL Commercial Branch, Millerganj Branch (IFSC: SBIN0004046) is fully enabled for NEFT, RTGS, IMPS, UPI, available 24×7 including weekends and holidays.
Log in to your bank's net banking or mobile app → Fund Transfer → Add Beneficiary → enter account number and IFSC SBIN0004046 → select NEFT/RTGS/IMPS → confirm with OTP.