Use this page as a one-stop reference for everything related to Punjab and Sind Bank's BINDKI branch in BINDKI, UTTAR PRADESH. The branch's IFSC code PSIB0020956 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Punjab and Sind Bank's BINDKI branch, the IFSC PSIB0020956 breaks down as follows: PSIB identifies the bank, 0 is the reserved character, and 020956 identifies this particular branch.
About the bank
Punjab and Sind Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bindki branch in Bindki, Uttar Pradesh is part of this network and uses the IFSC code PSIB0020956 for all electronic settlement.
Branch details at a glance
| Bank Name | Punjab and Sind Bank |
|---|---|
| Branch | Bindki |
| IFSC Code | PSIB0020956 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 505 LALAULI ROAD BINDKI DISTT FATEHPUR UTTAR PRADESH 212635 |
| City | Bindki |
| District | Fatehpur |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 9580508515 |
About the Bindki branch
The Bindki branch of Punjab and Sind Bank is situated at 505 LALAULI ROAD BINDKI DISTT FATEHPUR UTTAR PRADESH 212635. 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 PSIB0020956 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 BINDKI of Punjab and Sind Bank — its own 11-character IFSC. The code PSIB0020956 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 PSIB0020956 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Bindki branch
Once you have an account at Punjab and Sind Bank – BINDKI, the IFSC PSIB0020956 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.
Products and services
Customers walking into the Bindki 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 PSIB0020956
How to transfer money using IFSC PSIB0020956
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 PSIB0020956 across all three.
How to use IFSC PSIB0020956 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab and Sind Bank's BINDKI 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC PSIB0020956.
- Confirm the bank name auto-populates as Punjab and Sind Bank and the branch as BINDKI.
- 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 BINDKI
If you need to transfer ₹2 lakh or more in one go to an account at Punjab and Sind Bank's BINDKI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PSIB0020956 while initiating the transfer and the credit will appear within minutes.
IMPS to Punjab and Sind Bank BINDKI (IFSC PSIB0020956)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PSIB0020956 in your mobile or internet banking app, and the money is credited to the BINDKI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PSIB0020956 for Punjab and Sind Bank – BINDKI, 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 – PSIB0020956 | Yes – PSIB0020956 | Yes – PSIB0020956 |
For most retail customers crediting the Bindki 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 PSIB0020956
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 – BINDKI is still mapped to IFSC PSIB0020956. 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 PSIB0020956 and the beneficiary's account number to complete the transfer.
Online banking and IFSC PSIB0020956
Punjab and Sind Bank customers can register for net banking and the bank's official mobile app once their account at the BINDKI 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 PSIB0020956 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 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 PSIB0020956 and the account number together uniquely identify the Bindki branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – BINDKI:
- The IFSC is exactly PSIB0020956 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 BINDKI 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 Bindki branch sits at 505 LALAULI ROAD BINDKI DISTT FATEHPUR UTTAR PRADESH 212635. If you are travelling from outside Bindki, search for the branch on a maps application using the bank name and locality, or call 91-9580508515 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 PSIB0020956 and your account number.
Verifying IFSC PSIB0020956 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 PSIB0020956 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9580508515.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Bindki 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 PSIB0020956 continue to work without interruption.
Branch address & contact
Punjab and Sind BankBindki Branch
505 LALAULI ROAD BINDKI DISTT FATEHPUR UTTAR PRADESH 212635
Bindki, Uttar Pradesh
Phone: 91-9580508515
IFSC: PSIB0020956
Frequently asked questions
Is IFSC PSIB0020956 the same for all accounts at Bindki branch?
Yes. The IFSC PSIB0020956 is shared by every account held at Punjab and Sind Bank's Bindki branch. Only the account number changes from customer to customer.
Where is Punjab and Sind Bank Bindki branch located?
Punjab and Sind Bank's Bindki branch is located at 505 LALAULI ROAD BINDKI DISTT FATEHPUR UTTAR PRADESH 212635, Bindki, Uttar Pradesh.
How do I add Punjab and Sind Bank Bindki as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PSIB0020956, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Bindki branch but serve different purposes.
How quickly will an NEFT transfer using PSIB0020956 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab and Sind Bank – Bindki reflect within 30 minutes.
Does Punjab and Sind Bank Bindki branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9580508515 to confirm.
Final notes
To recap: PSIB0020956 is the IFSC code of Punjab and Sind Bank, BINDKI branch, in BINDKI, UTTAR PRADESH. 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.
