State Bank of India SWIFT/BIC code

What SBINJPJT means for a payment to State Bank of India

If an invoice shows SBINJPJT or SBINJPJTXXX, it is the identical address for State Bank of India in Japan. Banks worldwide use these codes to direct payments between countries to the correct institution. In practice you mostly see the code on invoices from abroad, in payment forms and in the bank details of State Bank of India customers.

Further down we go through the practical questions: receiving money at State Bank of India, sending money abroad and how to check a SWIFT code before you confirm a payment. The SWIFT code alone does not identify a personal account; for that you need the account number or IBAN is for.

How long does an international transfer to State Bank of India take?

There is no fixed delivery time for every transfer: some arrive within a day, others take several business days. Bank holidays in the sending or receiving country add extra days to the journey. Sometimes a bank wants to know about the purpose of a payment, which can hold things up.

Many banks are connected to SWIFT gpi. Every gpi transfer gets a unique reference, the UETR, which your bank can use to see where the money is. Specialist transfer services usually provide a status in their app so you can see where the money is.

If the money does not arrive after a few business days, the person who paid should contact their own bank rather than State Bank of India. Request from the sender the payment receipt – it helps your own bank look for the money.

SBINJPJT or SBINJPJTXXX – which one to use?

Each SWIFT/BIC code has the same eight core characters: a four-letter bank code, a two-letter country code and two characters for the location. The result is SBINJPJT for State Bank of India.

XXX at the end of SBINJPJTXXX is not a missing value or an error: it indicates the main office of State Bank of India. Some banking apps ask for 11 characters, and then you can enter XXX after SBINJPJT.

Type the code in one piece, in capitals and without spaces, exactly as shown here. A single character may route the money to another bank.

State Bank of India: head office code versus branch codes

State Bank of India uses 2 separate SWIFT/BIC codes. Only one is the head office code, SBINJPJTXXX; the others identify branches or departments.

In most cases there is no need to look up a branch: payments addressed to SBINJPJTXXX reach State Bank of India without problems. Only use a branch code when the account holder explicitly asks for it, for example on an invoice or in their bank details.

When in doubt, ask the person you are paying for the exact BIC in their bank details. Codes are sometimes changed or retired over time, so do not rely on old paperwork.

What a transfer from State Bank of India abroad really costs

If you transfer money abroad from State Bank of India, the fee you see is rarely all of what you pay. Besides the transfer fee, banks in between may take a cut, and if currencies are converted the bank often applies a rate that is less favourable than the actual market rate.

Banks rarely show the margin on the rate separately. An easy check: put the rate you get against the mid-market rate for the same moment and look at the difference.

Specialist money transfer services frequently offer a rate near the mid-market rate and lower fees. On GoldexPay we compare the amount that arrives with different providers, so you can pick the cheapest route. Choosing a specialist does not require leaving State Bank of India – you pay the provider from your own account.

Getting paid from abroad into a State Bank of India account

For an international payment at State Bank of India, the person paying you has to have not just the BIC. In practice that means: your name as registered with State Bank of India, your IBAN or account number, the BIC SBINJPJTXXX and sometimes your postal address.

Certain sending banks also ask for the name and address of State Bank of India in Tokyo, so keep it at hand. A typo in the IBAN is more trouble than it looks.

Money from abroad will not always land for the full amount. Fees for incoming transfers vary from bank to bank. Agree with the sender who covers the fees before the money is sent.

Watch out for payment fraud

Be wary when a contact suddenly wants you to pay into a different account. The fact that SBINJPJT exists is no guarantee that the account is legitimate.

Before paying, verify changed bank details through a phone call, using a number you already had. Be suspicious of urgent requests, odd spelling or a sender address that is slightly off. Acted too fast? Call the bank you paid from without delay and have them try to recall the payment.

Scams also work the other way. Someone sends more than agreed and wants you to refund the extra to a new account. A screenshot of a transfer is no proof – check your own account.

Sending JPY to State Bank of India

Japan uses the Japanese Yen (JPY). A payment in a foreign currency will be exchanged into JPY – and the bank that does it picks the rate. Every conversion costs something – usually through the rate rather than a fee.

Who does the conversion affects how much arrives. Compare what JPY arrives via different services before choosing one.

The rate for JPY fluctuates throughout the day. With bigger transfers, even small gap in the rate can be worth more than the fee.

Is SBINJPJT still correct? How to check

The most reliable place for the correct BIC remains paperwork issued by the bank like a bank statement or the account page in online banking. If the code you have does not match SBINJPJT or SBINJPJTXXX, do not guess – contact the recipient or State Bank of India.

With a wrong code, the transfer might get stuck, be returned or end up costing more – sometimes after weeks of searching. An error in the IBAN or account number can be more serious because it can reach the wrong person.

Many banking apps check the format of IBANs and some suggest the matching BIC. Some banks now check the payee name with the account before you confirm; take any warning seriously. A small test payment can be a sensible step for large sums despite the extra fee.

About this information

We collect bank codes from publicly available data and check them from time to time. Still, banks merge, rename themselves or retire codes and our data may lag behind. The number of codes on this page reflect our own data.

For any payment of any size, always check the code with State Bank of India or the recipient. We are a comparison service for money transfers and not part of State Bank of India. If you notice something that is out of date, we appreciate a short note via the contact page.