Punjab & Sind Bank
DHARAMSHALA BRANCH
+917347044919
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 DHARAMSHALA
branch of Punjab & Sind Bank, the code PSIB0021168 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 PSIB0021168 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 DHARAMSHALA
Payment Systems Supported by PSIB0021168
| 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—176023052—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 DHARAMSALA typically follows the RBI holiday calendar. Digital transfers via PSIB0021168 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 PSIB0021168 is the valid code for DHARAMSHALA at DHARAMSALA, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
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Financial Tools
- • GST Calculator Online
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Branch Context
- • DHARAMSHALA 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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