IFSC Code of Punjab and Sind Bank, Garalgachha Branch, West Bengal

If you are searching for the IFSC code of Punjab and Sind Bank, GARALGACHHA branch in HOOGHLY, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is PSIB0021566. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the GARALGACHHA branch, and detailed step-by-step guides for using the IFSC PSIB0021566 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 GARALGACHHA branch, the IFSC PSIB0021566 breaks down as follows: PSIB identifies the bank, 0 is the reserved character, and 021566 identifies this particular branch.

Branch details at a glance

Bank profile

Punjab and Sind Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Garalgachha branch — IFSC PSIB0021566 — extends the bank's services to customers in and around Hooghly, West Bengal.

About this branch

The branch is located at VILLAGE AND PO GARALGACHHA PS CHANDITALA. It serves the Hooghly region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Punjab and Sind Bank. The IFSC PSIB0021566 is used to identify this branch on the RBI payments network.

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 GARALGACHHA branch came to be assigned the code PSIB0021566.

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 PSIB0021566, money simply cannot be routed to the GARALGACHHA branch electronically.

How to transfer money using IFSC PSIB0021566

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 PSIB0021566 across all three.

How to use IFSC PSIB0021566 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab and Sind Bank's GARALGACHHA 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 PSIB0021566.
4. Confirm the bank name auto-populates as Punjab and Sind Bank and the branch as GARALGACHHA.
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 GARALGACHHA

If you need to transfer ₹2 lakh or more in one go to an account at Punjab and Sind Bank's GARALGACHHA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PSIB0021566 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 – GARALGACHHA, use IMPS. With IFSC PSIB0021566 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 PSIB0021566 for Punjab and Sind Bank – GARALGACHHA, 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.

For most retail customers crediting the Garalgachha 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 PSIB0021566

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 – GARALGACHHA is still mapped to IFSC PSIB0021566. 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 PSIB0021566 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Garalgachha branch is mapped to IFSC PSIB0021566 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 PSIB0021566.

Banking services available

The Garalgachha branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8100795222.

• 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 PSIB0021566

MICR & cheque-truncation details

Cheques drawn on the Garalgachha branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PSIB0021566 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC PSIB0021566

Punjab and Sind Bank customers can register for net banking and the bank's official mobile app once their account at the GARALGACHHA 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 PSIB0021566 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.

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 – GARALGACHHA:

• The IFSC is exactly PSIB0021566 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 GARALGACHHA 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 Garalgachha branch sits at VILLAGE AND PO GARALGACHHA PS CHANDITALA. If you are travelling from outside Hooghly, search for the branch on a maps application using the bank name and locality, or call 8100795222 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 PSIB0021566 and your account number.

Verifying IFSC PSIB0021566 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 PSIB0021566 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8100795222.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Garalgachha 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 PSIB0021566 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PSIB0021566 belongs to Punjab and Sind Bank's GARALGACHHA branch, located at VILLAGE AND PO GARALGACHHA PS CHANDITALA in HOOGHLY, WEST BENGAL. 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.