State Bank of India
POUNI BRANCH
Understanding IFSC Code: The Digital DNA of State Bank of India
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the POUNI
branch of State Bank of India, the code SBIN0003965 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the SBIN0003965 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"SBIN" represents State Bank of India
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for POUNI
Payment Systems Supported by SBIN0003965
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—185002061—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The State Bank of India in REASI typically follows the RBI holiday calendar. Digital transfers via SBIN0003965 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While SBIN0003965 is the valid code for POUNI at REASI, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • State Bank of India Branch List
- • REASI IFSC Codes
- • Swift Code for State Bank of India
- • Bank Holiday in JAMMU AND KASHMIR
Financial Tools
- • GST Calculator Online
- • Personal Loan EMI Calc
- • FD Interest Rates 2026
- • Currency Converter
Branch Context
- • POUNI Contact
- • Address of State Bank of India
- • MICR Code Finder
- • JAMMU AND KASHMIR Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
INDEXING TAGS: State Bank of India SBIN0003965 code, find POUNI branch details, State Bank of India REASI contact number, JAMMU AND KASHMIR bank ifsc list, anand design banking suite, ifsc finder 2026, free bank branch locator, micr code for State Bank of India REASI, online neft rtgs imps guide india, how to find ifsc code of State Bank of India.