This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab and Sind Bank, GUNTUR branch in GUNTUR. The 11-digit IFSC PSIB0021013 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 GUNTUR 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, PSIB0021013 is the IFSC of Punjab and Sind Bank's GUNTUR branch. The format is fixed: PSIB = bank code, 0 = reserved, 021013 = branch identifier.
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 Guntur branch in Guntur, Andhra Pradesh is part of this network and uses the IFSC code PSIB0021013 for all electronic settlement.
About the Guntur branch
The Guntur branch of Punjab and Sind Bank is situated at GR FLOOR DODDUPALLI COMPLEX DOOR NO 5 37 103 4 15 BRODIPET GUNTUR 522002. 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 PSIB0021013 is used.
Branch details at a glance
| Bank Name | Punjab and Sind Bank |
|---|---|
| Branch | Guntur |
| IFSC Code | PSIB0021013 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GR FLOOR DODDUPALLI COMPLEX DOOR NO 5 37 103 4 15 BRODIPET GUNTUR 522002 |
| City | Guntur |
| District | Guntur |
| State | Andhra Pradesh |
| STD Code | 863 |
| Phone | 2219030 |
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 GUNTUR branch came to be assigned the code PSIB0021013.
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 PSIB0021013, money simply cannot be routed to the GUNTUR branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Guntur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PSIB0021013 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC PSIB0021013
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 PSIB0021013 across all three.
NEFT to Punjab and Sind Bank, GUNTUR using IFSC PSIB0021013
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 PSIB0021013, and confirm that the system picks up Punjab and Sind Bank – GUNTUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to GUNTUR
If you need to transfer ₹2 lakh or more in one go to an account at Punjab and Sind Bank's GUNTUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PSIB0021013 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 – GUNTUR, use IMPS. With IFSC PSIB0021013 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PSIB0021013 for Punjab and Sind Bank – GUNTUR, 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 – PSIB0021013 | Yes – PSIB0021013 | Yes – PSIB0021013 |
For most retail customers crediting the Guntur 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.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Punjab and Sind Bank's GUNTUR branch, the IFSC PSIB0021013 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Products and account variants supported
Every account opened at the Guntur branch is mapped to IFSC PSIB0021013 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 PSIB0021013.
Banking services available
The Guntur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 863-2219030.
- 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 PSIB0021013
Digital banking channels
Most day-to-day work that customers used to do at the Guntur 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 PSIB0021013 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 Guntur branch sits at GR FLOOR DODDUPALLI COMPLEX DOOR NO 5 37 103 4 15 BRODIPET GUNTUR 522002. If you are travelling from outside Guntur, search for the branch on a maps application using the bank name and locality, or call 863-2219030 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 PSIB0021013 and your account number.
Common mistakes to avoid when using IFSC PSIB0021013
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 – GUNTUR, 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:
PSIB0021013. - 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.
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 Guntur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PSIB0021013, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC PSIB0021013 for Punjab and Sind Bank – GUNTUR, 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 address & contact
Punjab and Sind BankGuntur Branch
GR FLOOR DODDUPALLI COMPLEX DOOR NO 5 37 103 4 15 BRODIPET GUNTUR 522002
Guntur, Andhra Pradesh
Phone: 863-2219030
IFSC: PSIB0021013
Frequently asked questions
What is the phone number of Punjab and Sind Bank Guntur branch?
You can reach the branch at 863-2219030 during regular banking hours.
Is IFSC PSIB0021013 valid for NEFT and RTGS?
Yes. IFSC PSIB0021013 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC PSIB0021013 the same for all accounts at Guntur branch?
Yes. The IFSC PSIB0021013 is shared by every account held at Punjab and Sind Bank's Guntur branch. Only the account number changes from customer to customer.
Does Punjab and Sind Bank Guntur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 863-2219030 to confirm.
What is the IFSC code of Punjab and Sind Bank Guntur branch?
The IFSC code of Punjab and Sind Bank, Guntur branch is PSIB0021013. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using PSIB0021013 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab and Sind Bank – Guntur reflect within 30 minutes.
Summary
The IFSC code PSIB0021013 belongs to Punjab and Sind Bank's GUNTUR branch, located at GR FLOOR DODDUPALLI COMPLEX DOOR NO 5 37 103 4 15 BRODIPET GUNTUR 522002 in GUNTUR, ANDHRA PRADESH. 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.
