Punjab & Sind Bank
JHANDIANA WEST BRANCH
+911636274022
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 JHANDIANA WEST
branch of Punjab & Sind Bank, the code PSIB0021185 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 PSIB0021185 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 JHANDIANA WEST
Payment Systems Supported by PSIB0021185
| 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—142023020—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 MOGA typically follows the RBI holiday calendar. Digital transfers via PSIB0021185 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 PSIB0021185 is the valid code for JHANDIANA WEST at MOGA, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • Punjab & Sind Bank Branch List
- • MOGA IFSC Codes
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Financial Tools
- • GST Calculator Online
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Branch Context
- • JHANDIANA WEST Contact
- • Address of Punjab & Sind Bank
- • MICR Code Finder
- • PUNJAB Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
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