SWIFT Code SBININBB121 — STATE BANK OF INDIA, LUDHIANA

About SWIFT Code SBININBB121 — STATE BANK OF INDIA, LUDHIANA

SWIFT code SBININBB121 is the official 11-character branch-specific BIC (Bank Identifier Code) for STATE BANK OF INDIA in LUDHIANA, 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 LUDHIANA. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code SBININBB121

The code SBININBB121 follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code SBININBB121

Receiving International Wire Transfers

To receive money from abroad at your STATE BANK OF INDIA account in LUDHIANA, share SWIFT code SBININBB121 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, LUDHIANA must provide SWIFT code SBININBB121. 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 LUDHIANA rely on SWIFT code SBININBB121 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 SBININBB121 Routes an International Transfer

1. Initiation: The sender provides SWIFT code SBININBB121 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 SBININBB121

• Spaces or lowercase letters — Always enter SBININBB121 uppercase with no spaces.
• Using the wrong city — This code is for LUDHIANA 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 SBININBB121 directly with STATE BANK OF INDIA's LUDHIANA branch or via the SWIFT BIC Directory.