Below are the complete branch details for Punjab and Sind Bank, GHOMAN branch, located in BATALA, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is PSIB0021296. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case PSIB0021296 for Punjab and Sind Bank – GHOMAN — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, PSIB0021296 is the IFSC of Punjab and Sind Bank's GHOMAN branch. The format is fixed: PSIB = bank code, 0 = reserved, 021296 = branch identifier.
Bank profile
Punjab and Sind Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ghoman branch — IFSC PSIB0021296 — extends the bank's services to customers in and around Batala, Punjab.
Branch details at a glance
| Bank Name | Punjab and Sind Bank |
|---|---|
| Branch | Ghoman |
| IFSC Code | PSIB0021296 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NEW MODEL COLONY MAIN BABAR GHOMAN TEHSIL BATALA DISTT GURDASPUR 143514 |
| City | Batala |
| District | Gurdaspur |
| State | Punjab |
| STD Code | 91 |
| Phone | 7347044932 |
About the Ghoman branch
The Ghoman branch of Punjab and Sind Bank is situated at NEW MODEL COLONY MAIN BABAR GHOMAN TEHSIL BATALA DISTT GURDASPUR 143514. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code PSIB0021296 is used.
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 GHOMAN of Punjab and Sind Bank — its own 11-character IFSC. The code PSIB0021296 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 PSIB0021296 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Ghoman branch is mapped to IFSC PSIB0021296 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 PSIB0021296.
Banking services available
The Ghoman branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-7347044932.
- 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 PSIB0021296
How to transfer money using IFSC PSIB0021296
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 PSIB0021296 across all three.
NEFT to Punjab and Sind Bank, GHOMAN using IFSC PSIB0021296
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 PSIB0021296, and confirm that the system picks up Punjab and Sind Bank – GHOMAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC PSIB0021296
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 – GHOMAN, ensure your bank's portal accepts IFSC PSIB0021296 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Punjab and Sind Bank GHOMAN (IFSC PSIB0021296)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PSIB0021296 in your mobile or internet banking app, and the money is credited to the GHOMAN branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PSIB0021296 for Punjab and Sind Bank – GHOMAN, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – PSIB0021296 | Yes – PSIB0021296 | Yes – PSIB0021296 |
For most retail customers crediting the Ghoman branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
UPI payments and IFSC PSIB0021296
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 – GHOMAN is still mapped to IFSC PSIB0021296. 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 PSIB0021296 and the beneficiary's account number to complete the transfer.
Online banking and IFSC PSIB0021296
Punjab and Sind Bank customers can register for net banking and the bank's official mobile app once their account at the GHOMAN 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 PSIB0021296 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.
MICR & cheque-truncation details
Cheques drawn on the Ghoman branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PSIB0021296 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – GHOMAN:
- The IFSC is exactly PSIB0021296 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 GHOMAN 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 Ghoman branch
The branch is located at NEW MODEL COLONY MAIN BABAR GHOMAN TEHSIL BATALA DISTT GURDASPUR 143514, which puts it inside Batala, the broader Gurdaspur district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “Punjab and Sind Bank Ghoman branch” — the verified location pin for IFSC PSIB0021296 should appear at the top of the results.
- Confirm the branch is open by calling 91-7347044932 before stepping out, especially around public holidays.
- 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 PSIB0021296 and your account number.
Verifying IFSC PSIB0021296 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 PSIB0021296 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-7347044932.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Ghoman 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 PSIB0021296 continue to work without interruption.
Branch address & contact
Punjab and Sind BankGhoman Branch
NEW MODEL COLONY MAIN BABAR GHOMAN TEHSIL BATALA DISTT GURDASPUR 143514
Batala, Punjab
Phone: 91-7347044932
IFSC: PSIB0021296
Frequently asked questions
How do I add Punjab and Sind Bank Ghoman as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PSIB0021296, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Punjab and Sind Bank Ghoman branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-7347044932 to confirm.
Is IFSC PSIB0021296 the same for all accounts at Ghoman branch?
Yes. The IFSC PSIB0021296 is shared by every account held at Punjab and Sind Bank's Ghoman branch. Only the account number changes from customer to customer.
What is the IFSC code of Punjab and Sind Bank Ghoman branch?
The IFSC code of Punjab and Sind Bank, Ghoman branch is PSIB0021296. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using PSIB0021296 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab and Sind Bank – Ghoman reflect within 30 minutes.
What is the phone number of Punjab and Sind Bank Ghoman branch?
You can reach the branch at 91-7347044932 during regular banking hours.
Can I use IFSC PSIB0021296 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PSIB0021296 to send funds instantly.
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 Ghoman branch but serve different purposes.
Summary
The IFSC code PSIB0021296 belongs to Punjab and Sind Bank's GHOMAN branch, located at NEW MODEL COLONY MAIN BABAR GHOMAN TEHSIL BATALA DISTT GURDASPUR 143514 in BATALA, PUNJAB. 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.
