IFSC Code of Punjab and Sind Bank, Jalandhar Dr S P Khosla Cheritable HO Branch, Punjab

Use this page as a one-stop reference for everything related to Punjab and Sind Bank's JALANDHAR DR S P KHOSLA CHERITABLE HO branch in JALANDHAR, PUNJAB. The branch's IFSC code PSIB0000812 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 – JALANDHAR DR S P KHOSLA CHERITABLE HO is PSIB0000812. The first four letters PSIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000812 map to this branch in JALANDHAR, PUNJAB.

About Punjab and Sind Bank

Punjab and Sind Bank operates a wide network of branches across India, including the Jalandhar Dr S P Khosla Cheritable HO branch in Jalandhar. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, PSIB0000812.

Branch details at a glance

About this branch

The branch is located at DR S P KHOSLA CHERITABLE MEMORIAL TRUST HOSPITAL SHAHID UDHAM SINGH NAGAR JALANDHAR PUNJAB 144001. It serves the Jalandhar 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 PSIB0000812 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 JALANDHAR DR S P KHOSLA CHERITABLE HO branch came to be assigned the code PSIB0000812.

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 PSIB0000812, money simply cannot be routed to the JALANDHAR DR S P KHOSLA CHERITABLE HO branch electronically.

Products and account variants supported

Every account opened at the Jalandhar Dr S P Khosla Cheritable HO branch is mapped to IFSC PSIB0000812 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 PSIB0000812.

Banking services available

The Jalandhar Dr S P Khosla Cheritable HO branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-5000462.

• 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 PSIB0000812

How to transfer money using IFSC PSIB0000812

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 PSIB0000812 across all three.

NEFT to Punjab and Sind Bank, JALANDHAR DR S P KHOSLA CHERITABLE HO using IFSC PSIB0000812

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 PSIB0000812, and confirm that the system picks up Punjab and Sind Bank – JALANDHAR DR S P KHOSLA CHERITABLE HO. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PSIB0000812

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Punjab and Sind Bank – JALANDHAR DR S P KHOSLA CHERITABLE HO, ensure your bank's portal accepts IFSC PSIB0000812 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab and Sind Bank JALANDHAR DR S P KHOSLA CHERITABLE HO (IFSC PSIB0000812)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PSIB0000812 in your mobile or internet banking app, and the money is credited to the JALANDHAR DR S P KHOSLA CHERITABLE HO branch account within seconds.

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

All three modes accept the IFSC PSIB0000812 for Punjab and Sind Bank – JALANDHAR DR S P KHOSLA CHERITABLE HO, 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 Jalandhar Dr S P Khosla Cheritable HO 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 JALANDHAR DR S P KHOSLA CHERITABLE HO branch, the IFSC PSIB0000812 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.

Online banking and IFSC PSIB0000812

Punjab and Sind Bank customers can register for net banking and the bank's official mobile app once their account at the JALANDHAR DR S P KHOSLA CHERITABLE HO 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 PSIB0000812 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 & cheque-truncation details

Cheques drawn on the Jalandhar Dr S P Khosla Cheritable HO branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PSIB0000812 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC PSIB0000812

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 – JALANDHAR DR S P KHOSLA CHERITABLE HO, 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: PSIB0000812.
• 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.

Reaching the branch

The Jalandhar Dr S P Khosla Cheritable HO branch sits at DR S P KHOSLA CHERITABLE MEMORIAL TRUST HOSPITAL SHAHID UDHAM SINGH NAGAR JALANDHAR PUNJAB 144001. If you are travelling from outside Jalandhar, search for the branch on a maps application using the bank name and locality, or call 91-5000462 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 PSIB0000812 and your account number.

Verifying IFSC PSIB0000812 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 PSIB0000812 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-5000462.
• Visiting the bank's official branch locator page.

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 Jalandhar Dr S P Khosla Cheritable HO branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PSIB0000812, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PSIB0000812 belongs to Punjab and Sind Bank's JALANDHAR DR S P KHOSLA CHERITABLE HO branch, located at DR S P KHOSLA CHERITABLE MEMORIAL TRUST HOSPITAL SHAHID UDHAM SINGH NAGAR… in JALANDHAR, PUNJAB. 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.