This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab and Sind Bank, BHOLAV BHARUCH branch in BHARUCH. The 11-digit IFSC PSIB0021715 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Punjab and Sind Bank at the BHOLAV BHARUCH location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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, PSIB0021715 is the IFSC of Punjab and Sind Bank's BHOLAV BHARUCH branch. The format is fixed: PSIB = bank code, 0 = reserved, 021715 = branch identifier.
About Punjab and Sind Bank
Punjab and Sind Bank operates a wide network of branches across India, including the Bholav Bharuch branch in Bharuch. 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, PSIB0021715.
About the Bholav Bharuch branch
The Bholav Bharuch branch of Punjab and Sind Bank is situated at PUNJAB & SIND BANK, PLOT NO 9,10, SIDHI VINAYAK PARK BHOLAV BHARUCH, GUJARAT- 392001. 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 PSIB0021715 is used.
Branch details at a glance
| Bank Name | Punjab and Sind Bank |
|---|---|
| Branch | Bholav Bharuch |
| IFSC Code | PSIB0021715 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PUNJAB & SIND BANK, PLOT NO 9,10, SIDHI VINAYAK PARK BHOLAV BHARUCH, GUJARAT- 392001 |
| City | Bharuch |
| District | Bharuch |
| State | Gujarat |
| STD Code | 2642 |
| Phone | 8708138997 |
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 BHOLAV BHARUCH branch came to be assigned the code PSIB0021715.
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 PSIB0021715, money simply cannot be routed to the BHOLAV BHARUCH branch electronically.
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Punjab and Sind Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC PSIB0021715 and the account number together uniquely identify the Bholav Bharuch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC PSIB0021715
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 PSIB0021715 across all three.
NEFT to Punjab and Sind Bank, BHOLAV BHARUCH using IFSC PSIB0021715
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 PSIB0021715, and confirm that the system picks up Punjab and Sind Bank – BHOLAV BHARUCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BHOLAV BHARUCH
If you need to transfer ₹2 lakh or more in one go to an account at Punjab and Sind Bank's BHOLAV BHARUCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PSIB0021715 while initiating the transfer and the credit will appear within minutes.
IMPS to Punjab and Sind Bank BHOLAV BHARUCH (IFSC PSIB0021715)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PSIB0021715 in your mobile or internet banking app, and the money is credited to the BHOLAV BHARUCH branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PSIB0021715 for Punjab and Sind Bank – BHOLAV BHARUCH, 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 – PSIB0021715 | Yes – PSIB0021715 | Yes – PSIB0021715 |
For most retail customers crediting the Bholav Bharuch 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 PSIB0021715
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 – BHOLAV BHARUCH is still mapped to IFSC PSIB0021715. 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 PSIB0021715 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Bholav Bharuch branch is mapped to IFSC PSIB0021715 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 PSIB0021715.
Products and services
Customers walking into the Bholav Bharuch 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 PSIB0021715
Digital banking channels
Most day-to-day work that customers used to do at the Bholav Bharuch 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 PSIB0021715 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.
Reaching the branch
The Bholav Bharuch branch sits at PUNJAB & SIND BANK, PLOT NO 9,10, SIDHI VINAYAK PARK BHOLAV BHARUCH, GUJARAT- 392001. If you are travelling from outside Bharuch, search for the branch on a maps application using the bank name and locality, or call 2642-8708138997 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 PSIB0021715 and your account number.
Common mistakes to avoid when using IFSC PSIB0021715
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Punjab and Sind Bank – BHOLAV BHARUCH, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
PSIB0021715. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Working hours
Branch counters at Bholav Bharuch 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 PSIB0021715 continue to work without interruption.
Verifying IFSC PSIB0021715 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 PSIB0021715 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2642-8708138997.
- Visiting the bank's official branch locator page.
Branch address & contact
Punjab and Sind BankBholav Bharuch Branch
PUNJAB & SIND BANK, PLOT NO 9,10, SIDHI VINAYAK PARK BHOLAV BHARUCH, GUJARAT- 392001
Bharuch, Gujarat
Phone: 2642-8708138997
IFSC: PSIB0021715
Frequently asked questions
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 Bholav Bharuch branch but serve different purposes.
Can I use IFSC PSIB0021715 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PSIB0021715 to send funds instantly.
Is IFSC PSIB0021715 valid for NEFT and RTGS?
Yes. IFSC PSIB0021715 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Punjab and Sind Bank Bholav Bharuch branch located?
Punjab and Sind Bank's Bholav Bharuch branch is located at PUNJAB & SIND BANK, PLOT NO 9,10, SIDHI VINAYAK PARK BHOLAV BHARUCH, GUJARAT- 392001, Bharuch, Gujarat.
Does Punjab and Sind Bank Bholav Bharuch branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2642-8708138997 to confirm.
How do I add Punjab and Sind Bank Bholav Bharuch as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PSIB0021715, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code PSIB0021715 belongs to Punjab and Sind Bank's BHOLAV BHARUCH branch, located at PUNJAB & SIND BANK, PLOT NO 9,10, SIDHI VINAYAK PARK BHOLAV BHARUCH, GUJARAT-… in BHARUCH, GUJARAT. 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.
