IFSC Code of Punjab and Sind Bank, Badru Khan Branch, Punjab

Use this page as a one-stop reference for everything related to Punjab and Sind Bank's BADRU KHAN branch in BADRUKHAN, PUNJAB. The branch's IFSC code PSIB0000497 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.

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 Punjab and Sind Bank – BADRU KHAN is PSIB0000497. The first four letters PSIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000497 map to this branch in BADRUKHAN, PUNJAB.

Branch details at a glance

Bank profile

Punjab and Sind Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Badru Khan branch — IFSC PSIB0000497 — extends the bank's services to customers in and around Badrukhan, Punjab.

About this branch

The branch is located at BADRU KHAN, DISTT. SANGRUR, PUNJAB - 148001. It serves the Badrukhan region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Punjab and Sind Bank. The IFSC PSIB0000497 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 Punjab and Sind Bank's BADRU KHAN branch came to be assigned the code PSIB0000497.

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 PSIB0000497, money simply cannot be routed to the BADRU KHAN branch electronically.

How to transfer money using IFSC PSIB0000497

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 PSIB0000497 across all three.

How to use IFSC PSIB0000497 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab and Sind Bank's BADRU KHAN 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC PSIB0000497.
4. Confirm the bank name auto-populates as Punjab and Sind Bank and the branch as BADRU KHAN.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC PSIB0000497

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 Punjab and Sind Bank – BADRU KHAN, ensure your bank's portal accepts IFSC PSIB0000497 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab and Sind Bank BADRU KHAN (IFSC PSIB0000497)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PSIB0000497 in your mobile or internet banking app, and the money is credited to the BADRU KHAN branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Badru Khan

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 PSIB0000497:

• 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 BADRU KHAN is still linked to IFSC PSIB0000497.

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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Punjab and Sind Bank's BADRU KHAN branch, the IFSC PSIB0000497 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the Badru Khan branch is mapped to IFSC PSIB0000497 on the RBI payments network. The branch generally supports the full retail product catalogue of Punjab and Sind Bank, 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 PSIB0000497.

Products and services

Customers walking into the Badru Khan branch can access most of Punjab and Sind Bank'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 PSIB0000497

MICR & cheque-truncation details

Cheques drawn on the Badru Khan branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PSIB0000497 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Badru Khan 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 PSIB0000497 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.

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 Punjab and Sind Bank – BADRU KHAN:

• The IFSC is exactly PSIB0000497 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Punjab and Sind Bank as the bank name and BADRU KHAN 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 Badru Khan branch

The branch is located at BADRU KHAN, DISTT. SANGRUR, PUNJAB - 148001, which puts it inside Badrukhan, the broader Sangrur district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab and Sind Bank Badru Khan branch” — the verified location pin for IFSC PSIB0000497 should appear at the top of the results.
2. Confirm the branch is open by calling 1672-289247 before stepping out, especially around public holidays.
3. 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 PSIB0000497 and your account number.

Verifying IFSC PSIB0000497 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 PSIB0000497 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1672-289247.
• 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 Badru Khan branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PSIB0000497, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: PSIB0000497 is the IFSC code of Punjab and Sind Bank, BADRU KHAN branch, in BADRUKHAN, PUNJAB. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.