Branch Details — SBIN0003970
| Bank Name | State Bank of India |
| Branch Name | Oad, Lho, Kolkata |
| IFSC Code | SBIN0003970 |
| MICR Code | 700002899 |
| Bank Code (RBI) | SBIN |
| Branch Code | 003970 |
| Address | SAMRIDDHI,BHAVAN1,STRAND,ROADKOLKATA |
| City | Kolkata |
| District | Kolkata |
| State | West Bengal |
| Toll Free | 1800-11-2211 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using SBIN0003970
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC SBIN0003970.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC SBIN0003970.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is SBIN0003970. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at State Bank of India Oad, Lho, Kolkata branch, Kolkata, West Bengal.
The MICR code is 700002899. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: SAMRIDDHI,BHAVAN1,STRAND,ROADKOLKATA. 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 003970 identify the Oad, Lho, Kolkata branch.
Yes. State Bank of India Oad, Lho, Kolkata Branch (IFSC: SBIN0003970) 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 SBIN0003970 → select NEFT/RTGS/IMPS → confirm with OTP.