If you are searching for the IFSC code of State Bank of India, PANITOLA branch in PANITOLA, ASSAM, this page has every detail you need. The verified IFSC code for this branch is SBIN0065365. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the PANITOLA branch, and detailed step-by-step guides for using the IFSC SBIN0065365 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for State Bank of India – PANITOLA is SBIN0065365. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 065365 map to this branch in PANITOLA, ASSAM.
About State Bank of India
State Bank of India operates a wide network of branches across India, including the Panitola branch in Panitola. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, SBIN0065365.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Panitola |
| IFSC Code | SBIN0065365 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SBI PANITOLA BRANCH, AT ROAD, NH-37 PANITOLA, PIN-786183 |
| City | Panitola |
| District | Panitola |
| State | Assam |
| STD Code | 8462 |
| Phone | 9508705059 |
Panitola branch overview
Located at SBI PANITOLA BRANCH, AT ROAD, NH-37 PANITOLA, PIN-786183, the Panitola branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SBIN0065365 is required for all interbank electronic transfers routed through this branch.
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how State Bank of India's PANITOLA branch came to be assigned the code SBIN0065365.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC SBIN0065365, money simply cannot be routed to the PANITOLA branch electronically.
Products and account variants supported
Every account opened at the Panitola branch is mapped to IFSC SBIN0065365 on the RBI payments network. The branch generally supports the full retail product catalogue of State Bank of India, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains SBIN0065365.
Products and services
Customers walking into the Panitola branch can access most of State Bank of India's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC SBIN0065365
How to transfer money using IFSC SBIN0065365
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC SBIN0065365 across all three.
How to use IFSC SBIN0065365 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's PANITOLA branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC SBIN0065365.
- Confirm the bank name auto-populates as State Bank of India and the branch as PANITOLA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to PANITOLA
If you need to transfer ₹2 lakh or more in one go to an account at State Bank of India's PANITOLA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SBIN0065365 while initiating the transfer and the credit will appear within minutes.
IMPS to State Bank of India PANITOLA (IFSC SBIN0065365)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0065365 in your mobile or internet banking app, and the money is credited to the PANITOLA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SBIN0065365 for State Bank of India – PANITOLA, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – SBIN0065365 | Yes – SBIN0065365 | Yes – SBIN0065365 |
For most retail customers crediting the Panitola branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
UPI payments and IFSC SBIN0065365
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at State Bank of India – PANITOLA is still mapped to IFSC SBIN0065365. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC SBIN0065365 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Panitola branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC SBIN0065365 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by State Bank of India carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC SBIN0065365 and the account number together uniquely identify the Panitola branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC SBIN0065365
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to State Bank of India – PANITOLA, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
SBIN0065365. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
How to reach the Panitola branch
The branch is located at SBI PANITOLA BRANCH, AT ROAD, NH-37 PANITOLA, PIN-786183, which puts it inside Panitola, the broader Panitola district, and the state of Assam. To plan your visit:
- Open Google Maps on your phone and search for “State Bank of India Panitola branch” — the verified location pin for IFSC SBIN0065365 should appear at the top of the results.
- Confirm the branch is open by calling 8462-9508705059 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC SBIN0065365 and your account number.
Verifying IFSC SBIN0065365 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm SBIN0065365 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8462-9508705059.
- Visiting the bank's official branch locator page.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Panitola branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0065365, however, work 24x7.
Branch address & contact
State Bank of IndiaPanitola Branch
SBI PANITOLA BRANCH, AT ROAD, NH-37 PANITOLA, PIN-786183
Panitola, Assam
Phone: 8462-9508705059
IFSC: SBIN0065365
Frequently asked questions
Is IFSC SBIN0065365 the same for all accounts at Panitola branch?
Yes. The IFSC SBIN0065365 is shared by every account held at State Bank of India's Panitola branch. Only the account number changes from customer to customer.
What is the IFSC code of State Bank of India Panitola branch?
The IFSC code of State Bank of India, Panitola branch is SBIN0065365. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add State Bank of India Panitola as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0065365, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is State Bank of India Panitola branch located?
State Bank of India's Panitola branch is located at SBI PANITOLA BRANCH, AT ROAD, NH-37 PANITOLA, PIN-786183, Panitola, Assam.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Panitola branch but serve different purposes.
Can I use IFSC SBIN0065365 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0065365 to send funds instantly.
Summary
The IFSC code SBIN0065365 belongs to State Bank of India's PANITOLA branch, located at SBI PANITOLA BRANCH, AT ROAD, NH-37 PANITOLA, PIN-786183 in PANITOLA, ASSAM. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
