India's banking system runs on RTGS (real-time gross settlement), NEFT (batch), IMPS (instant). The country's currency is the INR. The major banks below handle the vast majority of inbound and outbound SWIFT payments to India.
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Details
India runs its domestic interbank settlement on RTGS (real-time gross settlement), NEFT (batch), IMPS (instant). International SWIFT payments arrive at one of the major correspondents listed below before being credited via the domestic system.
Top banks in India: State Bank of India (SBININBB, Mumbai), HDFC Bank (HDFCINBB, Mumbai), ICICI Bank (ICICINBB, Mumbai), Axis Bank (AXISINBB, Mumbai), Kotak Mahindra (KKBKINBB, Mumbai), Bank of Baroda (BARBINBB, Vadodara).
State Bank of India — SWIFT/BIC SBININBB, headquartered in Mumbai. India's largest public-sector bank.
HDFC Bank — SWIFT/BIC HDFCINBB, headquartered in Mumbai. Largest private-sector bank by market cap; top inbound USD/GBP correspondent.
ICICI Bank — SWIFT/BIC ICICINBB, headquartered in Mumbai. Major private-sector bank; large diaspora corridor flows.
Axis Bank — SWIFT/BIC AXISINBB, headquartered in Mumbai. Top-three private bank; strong corporate banking.
Kotak Mahindra — SWIFT/BIC KKBKINBB, headquartered in Mumbai. Premium-segment private bank; large NRI book.
Bank of Baroda — SWIFT/BIC BARBINBB, headquartered in Vadodara. Public-sector bank with strong international presence.
If you have sent or received a SWIFT payment routed through any of these banks, you can verify it for free on Ohmyfin. Paste the 36-character UETR (from your MT103 or pacs.008 confirmation) into the homepage tracker to see the latest available SWIFT status — settled, in flight, pending compliance, or rejected.
Key facts
Country: India (IN)
Currency: INR
Domestic settlement: RTGS (real-time gross settlement), NEFT (batch), IMPS (instant)
Number of major banks listed: 6
Trackable on Ohmyfin: yes — free via UETR
Frequently asked questions
What are the major banks in India?
The largest banks in India include State Bank of India, HDFC Bank, ICICI Bank, Axis Bank.
What is the SWIFT code for State Bank of India?
State Bank of India's primary SWIFT/BIC is SBININBB (head office in Mumbai). Branches use 11-character extensions of this code.
How are domestic payments settled in India?
RTGS (real-time gross settlement), NEFT (batch), IMPS (instant)
How do I track a SWIFT payment to or from India?
Paste the UETR into the Ohmyfin tracker. You will see the latest available SWIFT status in seconds — including which correspondent bank in India (or the international intermediary) is currently holding the payment.