IFSC Code of Punjab and Sind Bank, Jais Kais Building, Near Bus Stand, Jais Dist Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Punjab and Sind Bank's JAIS KAIS BUILDING, NEAR BUS STAND, JAIS DIST branch in JAIS, UTTAR PRADESH. The branch's IFSC code PSIB0020958 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.

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 – JAIS KAIS BUILDING, NEAR BUS STAND, JAIS DIST is PSIB0020958. The first four letters PSIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 020958 map to this branch in JAIS, UTTAR PRADESH.

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 Jais Kais Building, Near Bus Stand, Jais Dist branch — IFSC PSIB0020958 — extends the bank's services to customers in and around Jais, Uttar Pradesh.

About the Jais Kais Building, Near Bus Stand, Jais Dist branch

The Jais Kais Building, Near Bus Stand, Jais Dist branch of Punjab and Sind Bank is situated at KAIS BUILDING, NEAR BUS STAND JAIS DISTT RAIBAREILLY, DISTT. RAIBAREILLY, UTTAR PRADESH -. 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 PSIB0020958 is used.

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 JAIS KAIS BUILDING, NEAR BUS STAND, JAIS DIST branch came to be assigned the code PSIB0020958.

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 PSIB0020958, money simply cannot be routed to the JAIS KAIS BUILDING, NEAR BUS STAND, JAIS DIST branch electronically.

How to transfer money using IFSC PSIB0020958

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 PSIB0020958 across all three.

How to use IFSC PSIB0020958 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab and Sind Bank's JAIS KAIS BUILDING, NEAR BUS STAND, JAIS DIST 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 PSIB0020958.
4. Confirm the bank name auto-populates as Punjab and Sind Bank and the branch as JAIS KAIS BUILDING, NEAR BUS STAND, JAIS DIST.
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 JAIS KAIS BUILDING, NEAR BUS STAND, JAIS DIST

If you need to transfer ₹2 lakh or more in one go to an account at Punjab and Sind Bank's JAIS KAIS BUILDING, NEAR BUS STAND, JAIS DIST branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PSIB0020958 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab and Sind Bank JAIS KAIS BUILDING, NEAR BUS STAND, JAIS DIST (IFSC PSIB0020958)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PSIB0020958 in your mobile or internet banking app, and the money is credited to the JAIS KAIS BUILDING, NEAR BUS STAND, JAIS DIST branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC PSIB0020958 for Punjab and Sind Bank – JAIS KAIS BUILDING, NEAR BUS STAND, JAIS DIST, 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 Jais Kais Building, Near Bus Stand, Jais Dist 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 JAIS KAIS BUILDING, NEAR BUS STAND, JAIS DIST branch, the IFSC PSIB0020958 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.

Account types you can open at the Jais Kais Building, Near Bus Stand, Jais Dist branch

Once you have an account at Punjab and Sind Bank – JAIS KAIS BUILDING, NEAR BUS STAND, JAIS DIST, the IFSC PSIB0020958 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 Jais Kais Building, Near Bus Stand, Jais Dist 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 PSIB0020958

MICR & cheque-truncation details

Cheques drawn on the Jais Kais Building, Near Bus Stand, Jais Dist branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PSIB0020958 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC PSIB0020958

Punjab and Sind Bank customers can register for net banking and the bank's official mobile app once their account at the JAIS KAIS BUILDING, NEAR BUS STAND, JAIS DIST 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 PSIB0020958 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 – JAIS KAIS BUILDING, NEAR BUS STAND, JAIS DIST:

• The IFSC is exactly PSIB0020958 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 JAIS KAIS BUILDING, NEAR BUS STAND, JAIS DIST 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.

How to reach the Jais Kais Building, Near Bus Stand, Jais Dist branch

The branch is located at KAIS BUILDING, NEAR BUS STAND JAIS DISTT RAIBAREILLY, DISTT. RAIBAREILLY, UTTAR PRADESH -, which puts it inside Jais, the broader Rai Bareli district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab and Sind Bank Jais Kais Building, Near Bus Stand, Jais Dist branch” — the verified location pin for IFSC PSIB0020958 should appear at the top of the results.
2. Confirm the branch is open by calling 5313-25055152 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC PSIB0020958 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PSIB0020958 for Punjab and Sind Bank – JAIS KAIS BUILDING, NEAR BUS STAND, JAIS DIST, 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.

Working hours

Branch counters at Jais Kais Building, Near Bus Stand, Jais Dist 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 PSIB0020958 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PSIB0020958 is the IFSC code of Punjab and Sind Bank, JAIS KAIS BUILDING, NEAR BUS STAND, JAIS DIST branch, in JAIS, 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.