If you are searching for the IFSC code of Punjab and Sind Bank, BALLIA branch in BALLIA, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is PSIB0021531. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the BALLIA branch, and detailed step-by-step guides for using the IFSC PSIB0021531 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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, PSIB0021531 is the IFSC of Punjab and Sind Bank's BALLIA branch. The format is fixed: PSIB = bank code, 0 = reserved, 021531 = branch identifier.
Branch details at a glance
| Bank Name | Punjab and Sind Bank |
|---|---|
| Branch | Ballia |
| IFSC Code | PSIB0021531 |
| MICR Code | Refer to cheque leaf |
| Branch Address | H NO 3 - 4, SATWAR KOTHI, NEAR RAILWAY STATION, BALLIA, UP - 277001 |
| City | Ballia |
| District | Ballia |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 8005421720 |
About Punjab and Sind Bank
Punjab and Sind Bank operates a wide network of branches across India, including the Ballia branch in Ballia. 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, PSIB0021531.
About this branch
The branch is located at H NO 3 - 4, SATWAR KOTHI, NEAR RAILWAY STATION, BALLIA, UP - 277001. It serves the Ballia 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 PSIB0021531 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 BALLIA branch came to be assigned the code PSIB0021531.
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 PSIB0021531, money simply cannot be routed to the BALLIA branch electronically.
How to transfer money using IFSC PSIB0021531
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 PSIB0021531 across all three.
NEFT to Punjab and Sind Bank, BALLIA using IFSC PSIB0021531
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 PSIB0021531, and confirm that the system picks up Punjab and Sind Bank – BALLIA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC PSIB0021531
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 – BALLIA, ensure your bank's portal accepts IFSC PSIB0021531 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Punjab and Sind Bank – BALLIA, use IMPS. With IFSC PSIB0021531 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Ballia
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 PSIB0021531:
- 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 BALLIA is still linked to IFSC PSIB0021531.
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 PSIB0021531
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 Punjab and Sind Bank – BALLIA is still mapped to IFSC PSIB0021531. 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 PSIB0021531 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Ballia branch is mapped to IFSC PSIB0021531 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 PSIB0021531.
Banking services available
The Ballia branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8005421720.
- 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 PSIB0021531
MICR & cheque-truncation details
Cheques drawn on the Ballia branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PSIB0021531 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC PSIB0021531
Punjab and Sind Bank customers can register for net banking and the bank's official mobile app once their account at the BALLIA 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 PSIB0021531 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 Punjab and Sind Bank – BALLIA:
- The IFSC is exactly PSIB0021531 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 BALLIA 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.
Reaching the branch
The Ballia branch sits at H NO 3 - 4, SATWAR KOTHI, NEAR RAILWAY STATION, BALLIA, UP - 277001. If you are travelling from outside Ballia, search for the branch on a maps application using the bank name and locality, or call 91-8005421720 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC PSIB0021531 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC PSIB0021531 for Punjab and Sind Bank – BALLIA, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Working hours
Branch counters at Ballia 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 PSIB0021531 continue to work without interruption.
Branch address & contact
Punjab and Sind BankBallia Branch
H NO 3 - 4, SATWAR KOTHI, NEAR RAILWAY STATION, BALLIA, UP - 277001
Ballia, Uttar Pradesh
Phone: 91-8005421720
IFSC: PSIB0021531
Frequently asked questions
Is IFSC PSIB0021531 the same for all accounts at Ballia branch?
Yes. The IFSC PSIB0021531 is shared by every account held at Punjab and Sind Bank's Ballia branch. Only the account number changes from customer to customer.
Where is Punjab and Sind Bank Ballia branch located?
Punjab and Sind Bank's Ballia branch is located at H NO 3 - 4, SATWAR KOTHI, NEAR RAILWAY STATION, BALLIA, UP - 277001, Ballia, Uttar Pradesh.
How quickly will an NEFT transfer using PSIB0021531 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab and Sind Bank – Ballia reflect within 30 minutes.
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 Ballia branch but serve different purposes.
Can I use IFSC PSIB0021531 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PSIB0021531 to send funds instantly.
Does Punjab and Sind Bank Ballia branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-8005421720 to confirm.
Summary
The IFSC code PSIB0021531 belongs to Punjab and Sind Bank's BALLIA branch, located at H NO 3 - 4, SATWAR KOTHI, NEAR RAILWAY STATION, BALLIA, UP - 277001 in BALLIA, UTTAR PRADESH. 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.
