Use this page as a one-stop reference for everything related to State Bank of India's WATRIGAM branch in WATHERGAM, JAMMU AND KASHMIR. The branch's IFSC code SBIN0004591 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, SBIN0004591 is the IFSC of State Bank of India's WATRIGAM branch. The format is fixed: SBIN = bank code, 0 = reserved, 004591 = branch identifier.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Watrigam |
| IFSC Code | SBIN0004591 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DIST BARAMULLA,JAMMU AND KASHMIR 193303 |
| City | Wathergam |
| District | Baramula |
| State | Jammu and Kashmir |
About State Bank of India
State Bank of India operates a wide network of branches across India, including the Watrigam branch in Wathergam. 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, SBIN0004591.
About this branch
The branch is located at DIST BARAMULLA,JAMMU AND KASHMIR 193303. It serves the Wathergam region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of State Bank of India. The IFSC SBIN0004591 is used to identify this branch on the RBI payments network.
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 WATRIGAM branch came to be assigned the code SBIN0004591.
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 SBIN0004591, money simply cannot be routed to the WATRIGAM branch electronically.
How to transfer money using IFSC SBIN0004591
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 SBIN0004591 across all three.
NEFT to State Bank of India, WATRIGAM using IFSC SBIN0004591
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC SBIN0004591, and confirm that the system picks up State Bank of India – WATRIGAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC SBIN0004591
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to State Bank of India – WATRIGAM, ensure your bank's portal accepts IFSC SBIN0004591 while registering the beneficiary. RTGS is also available 24x7.
IMPS to State Bank of India WATRIGAM (IFSC SBIN0004591)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0004591 in your mobile or internet banking app, and the money is credited to the WATRIGAM branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Watrigam
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC SBIN0004591:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at WATRIGAM is still linked to IFSC SBIN0004591.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
UPI payments and IFSC SBIN0004591
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 – WATRIGAM is still mapped to IFSC SBIN0004591. 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 SBIN0004591 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Watrigam branch is mapped to IFSC SBIN0004591 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 SBIN0004591.
Banking services available
The Watrigam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC SBIN0004591
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 SBIN0004591 and the account number together uniquely identify the Watrigam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC SBIN0004591
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the WATRIGAM branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC SBIN0004591 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to State Bank of India – WATRIGAM:
- The IFSC is exactly SBIN0004591 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills State Bank of India as the bank name and WATRIGAM as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
How to reach the Watrigam branch
The branch is located at DIST BARAMULLA,JAMMU AND KASHMIR 193303, which puts it inside Wathergam, the broader Baramula district, and the state of Jammu and Kashmir. To plan your visit:
- Open Google Maps on your phone and search for “State Bank of India Watrigam branch” — the verified location pin for IFSC SBIN0004591 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number 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 SBIN0004591 and your account number.
Verifying IFSC SBIN0004591 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 SBIN0004591 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Watrigam are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to SBIN0004591 continue to work without interruption.
Branch address & contact
State Bank of IndiaWatrigam Branch
DIST BARAMULLA,JAMMU AND KASHMIR 193303
Wathergam, Jammu and Kashmir
Phone: the branch contact number
IFSC: SBIN0004591
Frequently asked questions
How quickly will an NEFT transfer using SBIN0004591 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Watrigam reflect within 30 minutes.
How do I add State Bank of India Watrigam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SBIN0004591, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Watrigam branch but serve different purposes.
What is the phone number of State Bank of India Watrigam branch?
You can reach the branch at the branch contact number during regular banking hours.
Can I use IFSC SBIN0004591 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0004591 to send funds instantly.
Does State Bank of India Watrigam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Summary
The IFSC code SBIN0004591 belongs to State Bank of India's WATRIGAM branch, located at DIST BARAMULLA,JAMMU AND KASHMIR 193303 in WATHERGAM, JAMMU AND KASHMIR. 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.
