State Bank of India — POUNI Branch
UDHAMPUR, JAMMU AND KASHMIR
Available Services
Branch Details
| Bank Name | State Bank of India |
|---|---|
| Branch Name | POUNI |
| IFSC Code | SBIN0003965 |
| MICR Code | 185002061 |
| SWIFT Code | N/A |
| Address | DIST UDHAMPUR, JAMMU AND KASHMIR 185203 |
| City | UDHAMPUR |
| District | REASI |
| State | JAMMU AND KASHMIR |
| Contact Number | Not Available |
How to Use SBIN0003965 for Money Transfers
The IFSC code SBIN0003965 is specifically assigned to the POUNI branch of State Bank of India located in UDHAMPUR, JAMMU AND KASHMIR. This unique code is mandatory for routing electronic payments correctly within India.
NEFT Transfer
Use SBIN0003965 when adding this branch as a beneficiary in NEFT transactions. NEFT operates in half-hourly batches from 12:30 AM to 12:00 AM on all days. Enter the IFSC, account number, and account holder name carefully to ensure successful transfer.
RTGS Transfer
For high-value transactions above ₹2 lakh, RTGS offers real-time gross settlement. Use SBIN0003965 along with the beneficiary's exact account number. RTGS is available on working days from 7:00 AM to 6:00 PM.
IMPS & UPI
IMPS and UPI allow instant 24×7 transfers. While UPI apps often auto-resolve the IFSC from the VPA, mobile banking apps require SBIN0003965 when registering a new beneficiary.
Always double-check the account number before confirming any transfer — the IFSC routes funds to the correct branch, but the account number specifies the exact recipient.
About State Bank of India POUNI Branch
The POUNI branch of State Bank of India is situated in UDHAMPUR, JAMMU AND KASHMIR. The branch address is DIST UDHAMPUR, JAMMU AND KASHMIR 185203. This branch supports electronic payment services including NEFT, RTGS, IMPS, and UPI. Always use the IFSC code SBIN0003965 when making any online fund transfer to an account held at this branch.
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