Branch Details — SBIN0003704
| Bank Name | State Bank of India |
| Branch Name | Jyotipuram |
| IFSC Code | SBIN0003704 |
| MICR Code | 182002441 |
| Bank Code (RBI) | SBIN |
| Branch Code | 003704 |
| Address | UDHAMPUR STATE JAMMU AND KASHMIR PIN 182203 |
| City | Udhampur |
| District | Udhampur |
| State | Jammu and Kashmir |
| Toll Free | 1800-11-2211 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using SBIN0003704
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC SBIN0003704.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC SBIN0003704.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is SBIN0003704. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at State Bank of India Jyotipuram branch, Udhampur, Jammu and Kashmir.
The MICR code is 182002441. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: UDHAMPUR STATE JAMMU AND KASHMIR PIN 182203. Branch timings: Monday–Friday 9:30 AM – 3:30 PM, Saturday 9:30 AM – 1:30 PM (closed 2nd/4th Saturdays).
SBIN identifies State Bank of India. The 5th character 0 is reserved by RBI. The last 6 characters 003704 identify the Jyotipuram branch.
Yes. State Bank of India Jyotipuram Branch (IFSC: SBIN0003704) is fully enabled for NEFT, RTGS, IMPS, UPI, available 24×7 including weekends and holidays.
Log in to your bank's net banking or mobile app → Fund Transfer → Add Beneficiary → enter account number and IFSC SBIN0003704 → select NEFT/RTGS/IMPS → confirm with OTP.