This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab and Sind Bank, JUNAGADH branch in JUNAGADH. The 11-digit IFSC PSIB0021696 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 JUNAGADH 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.
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 – JUNAGADH is PSIB0021696. The first four letters PSIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 021696 map to this branch in JUNAGADH, GUJARAT.
About Punjab and Sind Bank
Punjab and Sind Bank operates a wide network of branches across India, including the Junagadh branch in Junagadh. 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, PSIB0021696.
Branch details at a glance
| Bank Name | Punjab and Sind Bank |
|---|---|
| Branch | Junagadh |
| IFSC Code | PSIB0021696 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PUNJAB & SIND BANK SHOP NOS 1 AND 2, KRISHNA CAPITAL,ZANZARADA ROAD, JUNAGADH 362001 |
| City | Junagadh |
| District | Junagadh |
| State | Gujarat |
| STD Code | 285 |
| Phone | 9876693369 |
About this branch
The branch is located at PUNJAB & SIND BANK SHOP NOS 1 AND 2, KRISHNA CAPITAL,ZANZARADA ROAD, JUNAGADH 362001. It serves the Junagadh 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 PSIB0021696 is used to identify this branch on the RBI payments network.
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 JUNAGADH of Punjab and Sind Bank — its own 11-character IFSC. The code PSIB0021696 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 PSIB0021696 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 Junagadh branch is mapped to IFSC PSIB0021696 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 PSIB0021696.
Products and services
Customers walking into the Junagadh 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 PSIB0021696
How to transfer money using IFSC PSIB0021696
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 PSIB0021696 across all three.
How to use IFSC PSIB0021696 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab and Sind Bank's JUNAGADH 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC PSIB0021696.
- Confirm the bank name auto-populates as Punjab and Sind Bank and the branch as JUNAGADH.
- 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 JUNAGADH
If you need to transfer ₹2 lakh or more in one go to an account at Punjab and Sind Bank's JUNAGADH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PSIB0021696 while initiating the transfer and the credit will appear within minutes.
IMPS to Punjab and Sind Bank JUNAGADH (IFSC PSIB0021696)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PSIB0021696 in your mobile or internet banking app, and the money is credited to the JUNAGADH branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PSIB0021696 for Punjab and Sind Bank – JUNAGADH, 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 – PSIB0021696 | Yes – PSIB0021696 | Yes – PSIB0021696 |
For most retail customers crediting the Junagadh 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 PSIB0021696
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 – JUNAGADH is still mapped to IFSC PSIB0021696. 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 PSIB0021696 and the beneficiary's account number to complete the transfer.
Online banking and IFSC PSIB0021696
Punjab and Sind Bank customers can register for net banking and the bank's official mobile app once their account at the JUNAGADH 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 PSIB0021696 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 PSIB0021696 and the account number together uniquely identify the Junagadh 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 – JUNAGADH:
- The IFSC is exactly PSIB0021696 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 JUNAGADH 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 Junagadh branch
The branch is located at PUNJAB & SIND BANK SHOP NOS 1 AND 2, KRISHNA CAPITAL,ZANZARADA ROAD, JUNAGADH 362001, which puts it inside Junagadh, the broader Junagadh district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “Punjab and Sind Bank Junagadh branch” — the verified location pin for IFSC PSIB0021696 should appear at the top of the results.
- Confirm the branch is open by calling 285-9876693369 before stepping out, especially around public holidays.
- 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 PSIB0021696 and your account number.
Verifying IFSC PSIB0021696 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 PSIB0021696 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 285-9876693369.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Junagadh 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 PSIB0021696 continue to work without interruption.
Branch address & contact
Punjab and Sind BankJunagadh Branch
PUNJAB & SIND BANK SHOP NOS 1 AND 2, KRISHNA CAPITAL,ZANZARADA ROAD, JUNAGADH 362001
Junagadh, Gujarat
Phone: 285-9876693369
IFSC: PSIB0021696
Frequently asked questions
Where is Punjab and Sind Bank Junagadh branch located?
Punjab and Sind Bank's Junagadh branch is located at PUNJAB & SIND BANK SHOP NOS 1 AND 2, KRISHNA CAPITAL,ZANZARADA ROAD, JUNAGADH 362001, Junagadh, Gujarat.
How quickly will an NEFT transfer using PSIB0021696 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab and Sind Bank – Junagadh reflect within 30 minutes.
Is IFSC PSIB0021696 the same for all accounts at Junagadh branch?
Yes. The IFSC PSIB0021696 is shared by every account held at Punjab and Sind Bank's Junagadh branch. Only the account number changes from customer to customer.
Can I use IFSC PSIB0021696 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PSIB0021696 to send funds instantly.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Junagadh branch but serve different purposes.
Is IFSC PSIB0021696 valid for NEFT and RTGS?
Yes. IFSC PSIB0021696 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Punjab and Sind Bank Junagadh branch?
You can reach the branch at 285-9876693369 during regular banking hours.
Final notes
To recap: PSIB0021696 is the IFSC code of Punjab and Sind Bank, JUNAGADH branch, in JUNAGADH, GUJARAT. 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.
