IFSC Code of Punjab and Sind Bank, Dimapur Nagaland Branch, Nagaland

Below are the complete branch details for Punjab and Sind Bank, DIMAPUR NAGALAND branch, located in DIMAPUR, NAGALAND. The IFSC assigned by the Reserve Bank of India to this branch is PSIB0000349. 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 PSIB0000349 for Punjab and Sind Bank – DIMAPUR NAGALAND — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Punjab and Sind Bank – DIMAPUR NAGALAND is PSIB0000349. The first four letters PSIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000349 map to this branch in DIMAPUR, NAGALAND.

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 Dimapur Nagaland branch in Dimapur, Nagaland is part of this network and uses the IFSC code PSIB0000349 for all electronic settlement.

Branch details at a glance

About the Dimapur Nagaland branch

The Dimapur Nagaland branch of Punjab and Sind Bank is situated at KALIBARI ROAD NEAR GURDWARA DIMAPUR NAGALAND 797112. 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 PSIB0000349 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 DIMAPUR NAGALAND of Punjab and Sind Bank — its own 11-character IFSC. The code PSIB0000349 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 PSIB0000349 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 Dimapur Nagaland branch is mapped to IFSC PSIB0000349 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 PSIB0000349.

Banking services available

The Dimapur Nagaland branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 361-2228156.

• 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 PSIB0000349

How to transfer money using IFSC PSIB0000349

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 PSIB0000349 across all three.

How to use IFSC PSIB0000349 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab and Sind Bank's DIMAPUR NAGALAND 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 PSIB0000349.
4. Confirm the bank name auto-populates as Punjab and Sind Bank and the branch as DIMAPUR NAGALAND.
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 DIMAPUR NAGALAND

If you need to transfer ₹2 lakh or more in one go to an account at Punjab and Sind Bank's DIMAPUR NAGALAND branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PSIB0000349 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Punjab and Sind Bank – DIMAPUR NAGALAND, use IMPS. With IFSC PSIB0000349 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 Dimapur Nagaland

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 PSIB0000349:

• 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 DIMAPUR NAGALAND is still linked to IFSC PSIB0000349.

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 PSIB0000349

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 – DIMAPUR NAGALAND is still mapped to IFSC PSIB0000349. 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 PSIB0000349 and the beneficiary's account number to complete the transfer.

Online banking and IFSC PSIB0000349

Punjab and Sind Bank customers can register for net banking and the bank's official mobile app once their account at the DIMAPUR NAGALAND 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 PSIB0000349 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 PSIB0000349 and the account number together uniquely identify the Dimapur Nagaland 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 – DIMAPUR NAGALAND:

• The IFSC is exactly PSIB0000349 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 DIMAPUR NAGALAND 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 Dimapur Nagaland branch sits at KALIBARI ROAD NEAR GURDWARA DIMAPUR NAGALAND 797112. If you are travelling from outside Dimapur, search for the branch on a maps application using the bank name and locality, or call 361-2228156 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 PSIB0000349 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PSIB0000349 for Punjab and Sind Bank – DIMAPUR NAGALAND, 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.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Dimapur Nagaland branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PSIB0000349, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PSIB0000349 belongs to Punjab and Sind Bank's DIMAPUR NAGALAND branch, located at KALIBARI ROAD NEAR GURDWARA DIMAPUR NAGALAND 797112 in DIMAPUR, NAGALAND. 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.