IFSC Code of Punjab and Sind Bank, Shahaganj Bandel Branch, West Bengal

If you are searching for the IFSC code of Punjab and Sind Bank, SHAHAGANJ BANDEL branch in BANDEL, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is PSIB0000376. 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 SHAHAGANJ BANDEL branch, and detailed step-by-step guides for using the IFSC PSIB0000376 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, PSIB0000376 is the IFSC of Punjab and Sind Bank's SHAHAGANJ BANDEL branch. The format is fixed: PSIB = bank code, 0 = reserved, 000376 = branch identifier.

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 Shahaganj Bandel branch — IFSC PSIB0000376 — extends the bank's services to customers in and around Bandel, West Bengal.

About this branch

The branch is located at SHAHAGANJ DISTT HOOGLY 712104. It serves the Bandel 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 PSIB0000376 is used to identify this branch on the RBI payments network.

Why every Punjab and Sind Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including SHAHAGANJ BANDEL of Punjab and Sind Bank — its own 11-character IFSC. The code PSIB0000376 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC PSIB0000376 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC PSIB0000376

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 PSIB0000376 across all three.

How to use IFSC PSIB0000376 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab and Sind Bank's SHAHAGANJ BANDEL 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 PSIB0000376.
4. Confirm the bank name auto-populates as Punjab and Sind Bank and the branch as SHAHAGANJ BANDEL.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to SHAHAGANJ BANDEL

If you need to transfer ₹2 lakh or more in one go to an account at Punjab and Sind Bank's SHAHAGANJ BANDEL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PSIB0000376 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab and Sind Bank SHAHAGANJ BANDEL (IFSC PSIB0000376)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PSIB0000376 in your mobile or internet banking app, and the money is credited to the SHAHAGANJ BANDEL branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Shahaganj Bandel

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 PSIB0000376:

• 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 SHAHAGANJ BANDEL is still linked to IFSC PSIB0000376.

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 PSIB0000376

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 – SHAHAGANJ BANDEL is still mapped to IFSC PSIB0000376. 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 PSIB0000376 and the beneficiary's account number to complete the transfer.

Account types you can open at the Shahaganj Bandel branch

Once you have an account at Punjab and Sind Bank – SHAHAGANJ BANDEL, the IFSC PSIB0000376 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Shahaganj Bandel branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 326-6292145712.

• 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 PSIB0000376

MICR & cheque-truncation details

Cheques drawn on the Shahaganj Bandel branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PSIB0000376 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC PSIB0000376

Punjab and Sind Bank customers can register for net banking and the bank's official mobile app once their account at the SHAHAGANJ BANDEL 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 PSIB0000376 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 – SHAHAGANJ BANDEL:

• The IFSC is exactly PSIB0000376 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 SHAHAGANJ BANDEL 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 Shahaganj Bandel branch

The branch is located at SHAHAGANJ DISTT HOOGLY 712104, which puts it inside Bandel, the broader Hugli district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab and Sind Bank Shahaganj Bandel branch” — the verified location pin for IFSC PSIB0000376 should appear at the top of the results.
2. Confirm the branch is open by calling 326-6292145712 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 PSIB0000376 and your account number.

Verifying IFSC PSIB0000376 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 PSIB0000376 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 326-6292145712.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Shahaganj Bandel 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 PSIB0000376 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PSIB0000376 belongs to Punjab and Sind Bank's SHAHAGANJ BANDEL branch, located at SHAHAGANJ DISTT HOOGLY 712104 in BANDEL, WEST BENGAL. 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.