POUNI Branch
The IFSC code of STATE BANK OF INDIA POUNI branch is SBIN0003965. This code is used for NEFT, RTGS, and IMPS fund transfers to this branch in REASI, JAMMU AND KASHMIR (PIN 185203).
SBIN identifies STATE BANK OF INDIA, 0 is a reserved digit (always 0), and 003965 identifies the POUNI branch. Together they form the 11-character IFSC code assigned by the Reserve Bank of India.
STATE BANK OF INDIA POUNI branch is located at DIST UDHAMPUR, JAMMU AND KASHMIR 185203. PIN code: 185203.
Yes, SBIN0003965 is valid for all electronic transfers: NEFT (24x7, batch settlement), RTGS (real-time, minimum Rs 2 lakh), IMPS (instant, 24x7, up to Rs 5 lakh), and UPI (IFSC is used internally for bank routing in all UPI transactions). Enter this code with the account number to transfer funds to STATE BANK OF INDIA POUNI.
MICR (Magnetic Ink Character Recognition) is a 9-digit code used for cheque clearing and processing. Unlike the IFSC code used for online transfers, the MICR code is printed at the bottom of your cheque leaf using magnetic ink and is read by automated clearing machines.
Based on RBI records, SBIN0003965 is an active IFSC code assigned to STATE BANK OF INDIA POUNI in REASI, JAMMU AND KASHMIR. If you receive a transaction failure citing this IFSC, contact STATE BANK OF INDIA directly or verify on the RBI website, as codes may be updated following bank mergers or branch relocations.
Verify Before You Transfer
Always confirm the IFSC code directly with STATE BANK OF INDIA or the RBI before initiating a high-value transfer.
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PIN code for this branch: 185203
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