State Bank of India IFSC Code SCB FOCAL POINT, LUDHIANA Branch in LUDHIANA can be used for internet banking for transferring funds between any two bank branches. This is IFSC Code for State Bank of India SCB FOCAL POINT, LUDHIANA Branch in LUDHIANA allocated by RBI. Before using this SCB FOCAL POINT, LUDHIANA Branch LUDHIANA State Bank of India IFSC Code, kindly cross check the respective bank website. This State Bank of India SCB FOCAL POINT, LUDHIANA Branch IFSC Code in LUDHIANA supporting net banking has its unique IFSC code. SCB FOCAL POINT, LUDHIANA Branch LUDHIANA State Bank of India IFSC Code is a unique code which helps to identity the bank location too. NOTE that only those branches of a bank which are approved by RBI can provide net transfer systems.