STATE BANK OF INDIA POUNI IFSC Code
SBIN0003965
Verified
IFSC Code Breakdown
SBIN
Bank Code
0
Zero
003965
Branch Code
Note: The 5th character is always the digit zero (0), not the letter O.
Branch Details for SBIN0003965
How to Use This IFSC
NEFT: Use this IFSC for National Electronic Funds Transfer. Available 24x7.
RTGS: Use for Real Time Gross Settlement for amounts ≥₹2 lakh.
IMPS: For Immediate Payment Service, available 24x7 for instant transfers.
Last Updated: Feb 2026
About this Branch
The POUNI branch of STATE BANK OF INDIA is located in UDHAMPUR, JAMMU AND KASHMIR. This branch handles NEFT, RTGS, and IMPS transactions for the REASI area. The IFSC code SBIN0003965 is required for all electronic fund transfers to this branch.
Frequently Asked Questions
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