SBT Bank IFSC Code: The Essential 2025 Guide

The world of banking in India is rapidly evolving, especially as digital payments, UPI, and net banking continue to transform the way we manage our money. Among the most common queries we encounter is about the SBT Bank IFSC code—what it is, why it matters, and how to use it today. As 2025 approaches, understanding the SBT IFSC code remains crucial for safe and seamless online transactions, given recent mergers and changes in the Indian banking landscape.

This guide aims to provide you with straightforward, up-to-date information about the SBT Bank IFSC code. We answer the most common questions, explore real-world scenarios, and guide you on how to find, use, and troubleshoot these codes—making your banking experience smoother and safer, whether you’re transferring funds to friends, shopping online, or running a business.

What is an IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code assigned to every branch of every bank in the country by the Reserve Bank of India (RBI). It acts as a unique identifier for each branch and is required for all forms of electronic payments in India, such as NEFT, RTGS, and IMPS.

Example IFSC: SBTR0000361

• The first four letters identify the bank (e.g. “SBTR” for State Bank of Travancore, commonly referred to as SBT).
• The fifth character is always ‘0’, reserved for future use.
• The last six characters identify the specific branch.

SBT Bank: A Quick Overview for 2025

State Bank of Travancore (SBT) was one of the five associate banks of the State Bank of India (SBI). In April 2017, SBT officially merged with SBI, and SBT’s branches were integrated as part of the larger SBI family.

Why does this matter for IFSC codes in 2025?

• Many people and businesses still have legacy accounts and use SBT’s old IFSC codes for transactions.
• Existing chequebooks and documents might display SBT codes.
• Some merchants and digital payment apps still refer to SBT for branch selection.

Understanding how SBT’s IFSC codes work post-merger is key to ensuring your transactions don’t fail or face unnecessary delays.

Why is the SBT Bank IFSC Code Important?

• Ensures Correct Fund Transfer: The right IFSC code directs your funds to the intended SBT/SBI branch, avoiding failed or misrouted transfers.
• Required for Online Transactions: NEFT, RTGS, IMPS payments and even basic online registrations demand the IFSC code.
• Verification of Beneficiary Details: Many fintech apps, online marketplaces, and business payment platforms use the IFSC to cross-verify branch and account details.

Real-life example:
A small business owner in Kerala needed to send payments to a supplier with an SBT account. Using the correct IFSC ensured instant settlements via IMPS, even on weekends.

How Has the SBT IFSC Code Changed After the Merger?

When SBT merged with SBI, most SBT branches adopted new IFSC codes following the SBI format. However, for a period of time after the merger, transactions continued with the old SBT codes.

What Should I Use for My Old SBT Account in 2025?

In 2025, all electronic payments to SBT branches must use the updated SBI IFSC codes. Old SBT codes are no longer valid for most transactions. Using the outdated IFSC may result in failed or reversed payments.

New IFSC Code Format:

• Old SBT code: SBTR000XXXX
• New SBI code: SBIN007XXXX (the branch number typically remains the same)

Tip: Always check with your branch or refer to the latest SBI lookup to confirm the new IFSC.

How to Find SBT (Now SBI) IFSC Codes in 2025

Whether you’re a customer or making a one-time transfer, finding the correct (current) IFSC is essential. Here are the most reliable ways:

1. Branch Chequebook or Passbook

• Latest SBI chequebooks will have the updated IFSC code printed.
• Old SBT passbooks might still show the former IFSC—cross-check before using.

2. Official SBI Website

• Visit the SBI branch locator or IFSC search page.
• Enter the branch name, city, or old SBT branch details to fetch the new IFSC.

3. RBI Official IFSC Directory

• The Reserve Bank of India regularly updates the master IFSC directory with all active codes.
• Download the latest Excel sheet and search for your branch.

4. Mobile Banking Apps & Online Marketplaces

• Most digital banking apps (like Google Pay, Paytm, PhonePe) auto-populate the IFSC based on the account number and branch.
• Flipkart, Amazon, and other marketplaces release updated lists for sellers and payouts, especially if banking details are needed.

5. Customer Care

• Call the SBI customer helpline or visit your local (former SBT) branch for the updated code.

Table: Example of SBT Branch IFSC Code Changes

Above table is for illustration; always verify with the latest official lookup.

Common Use Cases: How SBT IFSC Codes Affect You in 2025

Sending Money with NEFT/IMPS

If you’re transferring funds to a beneficiary who mentions SBT, clarify whether their account is now reflected as an SBI branch and, if so, which IFSC code to use.

• If the account is still active, use the new SBI IFSC code.
• For inactive or closed accounts, transactions won’t process.

Setting up Payments on Marketplaces

Online sellers, freelancers, and gig workers will often be asked to list their bank and IFSC for payouts. Always provide the current SBI IFSC, not the old SBT code, to avoid payment delays.

Linking Bank Accounts in Payment Apps

Apps like Google Pay, PhonePe, and others will recognize SBI as the bank for ex-SBT customers. During account linking, search under “State Bank of India” and look for your branch; the app will use the updated IFSC.

Frequently Asked Questions about SBT Bank IFSC Code

How can I check if my old SBT account is still active?

Visit your branch, check through SBI online banking, or call customer care. Ex-SBT accounts have generally been ported to SBI. Use your old account number to log in and check status.

What if I use the old SBT IFSC by mistake?

Your transaction will likely be rejected or reversed. Check your notifications for payment status and retry using the correct SBI IFSC.

Is the account number also changed after the merger?

Most customers retained their account numbers, but confirm with your branch if you’re unsure.

Pros and Cons of the IFSC Code Change

Pros:

• Simplifies SBI’s nationwide operations
• Easier integration with new payment standards and apps
• Reduces risk of transaction errors

Cons:

• Initial confusion for old SBT customers
• Chequebooks/passbooks with old IFSC become obsolete

Tips for Smooth Transactions – SBT IFSC and Beyond

1. Confirm with the Beneficiary: Always double-check the recipient’s bank and IFSC code, especially for big transfers.
2. Update Records: If you’re a business or freelancer, update bank info on every marketplace, payment gateway, or payroll system you use.
3. Use Digital Tools: Let apps and official bank websites autofill or confirm the IFSC code for you—this reduces typos.
4. Stay Alert: If you receive SMS or emails about IFSC changes, validate with your branch before acting.

SBT IFSC Code vs. SBI IFSC Code: Quick Comparison

What if a Merchant/Seller Still Uses the Old SBT IFSC?

It’s still a common occurrence, especially in rural areas or older business setups. If you receive invoices or supplier details with the “SBTR” code, ask for the updated SBI IFSC. Offer to help them update their details with their bank if needed.

Real-World Stories: Experiences with SBT IFSC in Modern Banking

• Arjun, Retailer in Kochi: “Last year, I almost lost a payment because my supplier’s proforma invoice had an SBT code that hadn’t worked for months. I learned to always double-check online.”
• Divya, College Student: “When linking my old SBT account to Paytm for a scholarship refund, the app prompted me for the SBI IFSC instead. A quick branch visit cleared things up.”

These stories underline the importance of using the correct, updated code—saving both time and stress during important transactions.

How Can I Update My Banking Details on Marketplaces or Apps?

• Amazon/Flipkart Seller Central: Go to your account dashboard → Bank info → Edit and enter the new IFSC code.
• Digital Wallets/UPI Apps: Unlink old account and add it again, ensuring updated IFSC is recognized.
• Payroll or Vendor Payments: Inform your employer or clients of the change to prevent bounced payments.

Troubleshooting Payment Failures Linked to SBT IFSC

• Transaction failed instantly: Likely used old IFSC—retry with the SBI code.
• Pending for refund: Wait for the reversal; if not complete in 2-3 days, contact your bank.
• Getting repeated errors on apps: Clear the account and re-add with correct bank/branch name and IFSC.

Quick Recap: SBT Bank IFSC Code in 2025

• SBT merged with SBI; all IFSC codes now follow the SBI format.
• Old SBT IFSC (SBTR…) is obsolete; always use the updated SBI IFSC (SBIN…).
• Check the correct code through official sites, apps, or at your local branch.
• Update your details on all platforms where you receive payments.
• Transactions using old codes will fail or get reversed.

People Also Ask (FAQs)

1. Is the SBT IFSC code still valid in 2025?
No, only the new SBI IFSC codes are valid for all transactions involving former SBT branches.

2. Where can I find the latest IFSC for my old SBT branch?
Visit the SBI website, use their branch locator or ask at the branch itself.

3. Can I use my SBT chequebook for payments?
You may use the chequebook, but add the new IFSC code where applicable. Consider requesting an updated one from SBI.

4. Do I need to inform clients about my new IFSC?
Yes, especially if you receive payments via NEFT/RTGS/IMPS from companies or marketplaces.

5. What happens to transactions sent to the old SBT IFSC?
Payments will generally fail or be automatically reversed. You may need to re-initiate the transfer with the correct code.