IFSC Code of Punjab and Sind Bank, Kaithal Branch, Haryana

If you are searching for the IFSC code of Punjab and Sind Bank, KAITHAL branch in KAITHAL, HARYANA, this page has every detail you need. The verified IFSC code for this branch is PSIB0021018. 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 KAITHAL branch, and detailed step-by-step guides for using the IFSC PSIB0021018 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.

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 – KAITHAL is PSIB0021018. The first four letters PSIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 021018 map to this branch in KAITHAL, HARYANA.

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 Kaithal branch — IFSC PSIB0021018 — extends the bank's services to customers in and around Kaithal, Haryana.

About this branch

The branch is located at R V PLAZA PEHOWA CHOWK KAITHAL HARYANA 136027. It serves the Kaithal 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 PSIB0021018 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 KAITHAL branch came to be assigned the code PSIB0021018.

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 PSIB0021018, money simply cannot be routed to the KAITHAL branch electronically.

How to transfer money using IFSC PSIB0021018

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 PSIB0021018 across all three.

NEFT to Punjab and Sind Bank, KAITHAL using IFSC PSIB0021018

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 PSIB0021018, and confirm that the system picks up Punjab and Sind Bank – KAITHAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PSIB0021018

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 – KAITHAL, ensure your bank's portal accepts IFSC PSIB0021018 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab and Sind Bank KAITHAL (IFSC PSIB0021018)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PSIB0021018 in your mobile or internet banking app, and the money is credited to the KAITHAL branch account within seconds.

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

All three modes accept the IFSC PSIB0021018 for Punjab and Sind Bank – KAITHAL, 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 Kaithal 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 KAITHAL branch, the IFSC PSIB0021018 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 Kaithal branch is mapped to IFSC PSIB0021018 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 PSIB0021018.

Banking services available

The Kaithal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 5944-235235.

• 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 PSIB0021018

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 PSIB0021018 and the account number together uniquely identify the Kaithal branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC PSIB0021018

Punjab and Sind Bank customers can register for net banking and the bank's official mobile app once their account at the KAITHAL 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 PSIB0021018 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 – KAITHAL:

• The IFSC is exactly PSIB0021018 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 KAITHAL 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 Kaithal branch sits at R V PLAZA PEHOWA CHOWK KAITHAL HARYANA 136027. If you are travelling from outside Kaithal, search for the branch on a maps application using the bank name and locality, or call 5944-235235 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 PSIB0021018 and your account number.

Verifying IFSC PSIB0021018 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 PSIB0021018 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 5944-235235.
• 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 Kaithal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PSIB0021018, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PSIB0021018 belongs to Punjab and Sind Bank's KAITHAL branch, located at R V PLAZA PEHOWA CHOWK KAITHAL HARYANA 136027 in KAITHAL, HARYANA. 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.