SWIFT Code SBININBB645 — STATE BANK OF INDIA, JOKA

About SWIFT Code SBININBB645 — STATE BANK OF INDIA, JOKA

SWIFT code SBININBB645 is the official 11-character branch-specific BIC (Bank Identifier Code) for STATE BANK OF INDIA in JOKA, India. Standardised under ISO 9362 and maintained by the Society for Worldwide Interbank Financial Telecommunication (SWIFT), this code is used exclusively for cross-border wire transfers and is recognised by financial institutions in over 200 countries.

This code must be provided to the sender when receiving money from abroad, and is required by STATE BANK OF INDIA for all outward international remittances from JOKA. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code SBININBB645

The code SBININBB645 follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code SBININBB645

Receiving International Wire Transfers

To receive money from abroad at your STATE BANK OF INDIA account in JOKA, share SWIFT code SBININBB645 with the sender along with your full account number, your name as on the account, and the branch address.

NRI Remittances

Non-Resident Indians sending money to NRO/NRE accounts at STATE BANK OF INDIA, JOKA must provide SWIFT code SBININBB645. Major remittance platforms — including Wise, Remitly, Western Union, and MoneyGram — use this code to route transfers accurately.

Trade Finance and Foreign Payments

Importers and exporters using STATE BANK OF INDIA in JOKA rely on SWIFT code SBININBB645 for letters of credit, bank guarantees, and foreign currency settlements.

SWIFT Code vs IFSC vs MICR vs BSR — Key Differences

Need the IFSC code for domestic NEFT, RTGS, or UPI transfers? View the IFSC code for STATE BANK OF INDIA →

For cheque clearing or NACH mandates, use the MICR code for STATE BANK OF INDIA →

For TDS challan deposits, find the BSR code for STATE BANK OF INDIA →

How SWIFT Code SBININBB645 Routes an International Transfer

1. Initiation: The sender provides SWIFT code SBININBB645 and account number to their bank.
2. Validation: The sending bank validates the BIC against the SWIFT registry.
3. Routing: An MT103 SWIFT message is transmitted through the network to STATE BANK OF INDIA.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: STATE BANK OF INDIA receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code SBININBB645

• Spaces or lowercase letters — Always enter SBININBB645 uppercase with no spaces.
• Using the wrong city — This code is for JOKA only.
• Truncating to 8 characters — When 11 characters are required, always use the full code.
• Using SWIFT for domestic transfers — Use the IFSC code for any transfer within India.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm SBININBB645 directly with STATE BANK OF INDIA's JOKA branch or via the SWIFT BIC Directory.