Punjab & Sind Bank
GARKHAL BRANCH
+911792272030
Related Branches
Understanding IFSC Code: The Digital DNA of Punjab & Sind Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the GARKHAL
branch of Punjab & Sind Bank, the code PSIB0000228 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 PSIB0000228 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"PSIB" represents Punjab & Sind Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for GARKHAL
Payment Systems Supported by PSIB0000228
| 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—173023003—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 Punjab & Sind Bank in GARHKHAL typically follows the RBI holiday calendar. Digital transfers via PSIB0000228 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 PSIB0000228 is the valid code for GARKHAL at GARHKHAL, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • Punjab & Sind Bank Branch List
- • GARHKHAL IFSC Codes
- • Swift Code for Punjab & Sind Bank
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Financial Tools
- • GST Calculator Online
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Branch Context
- • GARKHAL Contact
- • Address of Punjab & Sind Bank
- • MICR Code Finder
- • HIMACHAL PRADESH Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
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