IFSC Code of Punjab and Sind Bank, Kanpur Sunder Nagar Gngd College Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Punjab and Sind Bank's KANPUR SUNDER NAGAR GNGD COLLEGE branch in KANPUR, UTTAR PRADESH. The branch's IFSC code PSIB0000727 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 – KANPUR SUNDER NAGAR GNGD COLLEGE is PSIB0000727. The first four letters PSIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000727 map to this branch in KANPUR, UTTAR PRADESH.

Bank profile

Punjab and Sind Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kanpur Sunder Nagar Gngd College branch — IFSC PSIB0000727 — extends the bank's services to customers in and around Kanpur, Uttar Pradesh.

Kanpur Sunder Nagar Gngd College branch overview

Located at GURU NANAK GIRLS DEGREE COLLEGE SUNDER NAGAR KANPUR UTTAR PRADESH 208012, the Kanpur Sunder Nagar Gngd College branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PSIB0000727 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 KANPUR SUNDER NAGAR GNGD COLLEGE of Punjab and Sind Bank — its own 11-character IFSC. The code PSIB0000727 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 PSIB0000727 the same way you would treat your account number — verify it once and save it carefully for future use.

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 PSIB0000727 and the account number together uniquely identify the Kanpur Sunder Nagar Gngd College branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC PSIB0000727

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 PSIB0000727 across all three.

How to use IFSC PSIB0000727 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab and Sind Bank's KANPUR SUNDER NAGAR GNGD COLLEGE 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 PSIB0000727.
4. Confirm the bank name auto-populates as Punjab and Sind Bank and the branch as KANPUR SUNDER NAGAR GNGD COLLEGE.
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 KANPUR SUNDER NAGAR GNGD COLLEGE

If you need to transfer ₹2 lakh or more in one go to an account at Punjab and Sind Bank's KANPUR SUNDER NAGAR GNGD COLLEGE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PSIB0000727 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab and Sind Bank KANPUR SUNDER NAGAR GNGD COLLEGE (IFSC PSIB0000727)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PSIB0000727 in your mobile or internet banking app, and the money is credited to the KANPUR SUNDER NAGAR GNGD COLLEGE branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kanpur Sunder Nagar Gngd College

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC PSIB0000727:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at KANPUR SUNDER NAGAR GNGD COLLEGE is still linked to IFSC PSIB0000727.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC PSIB0000727

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 – KANPUR SUNDER NAGAR GNGD COLLEGE is still mapped to IFSC PSIB0000727. 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 PSIB0000727 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kanpur Sunder Nagar Gngd College branch is mapped to IFSC PSIB0000727 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 PSIB0000727.

Products and services

Customers walking into the Kanpur Sunder Nagar Gngd College 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 PSIB0000727

Online banking and IFSC PSIB0000727

Punjab and Sind Bank customers can register for net banking and the bank's official mobile app once their account at the KANPUR SUNDER NAGAR GNGD COLLEGE 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 PSIB0000727 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.

How to reach the Kanpur Sunder Nagar Gngd College branch

The branch is located at GURU NANAK GIRLS DEGREE COLLEGE SUNDER NAGAR KANPUR UTTAR PRADESH 208012, which puts it inside Kanpur, the broader Kanpur City 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 Kanpur Sunder Nagar Gngd College branch” — the verified location pin for IFSC PSIB0000727 should appear at the top of the results.
2. Confirm the branch is open by calling 512-2217953 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 PSIB0000727 and your account number.

Common mistakes to avoid when using IFSC PSIB0000727

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 – KANPUR SUNDER NAGAR GNGD COLLEGE, 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: PSIB0000727.
• 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.

Working hours

Branch counters at Kanpur Sunder Nagar Gngd College 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 PSIB0000727 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PSIB0000727 for Punjab and Sind Bank – KANPUR SUNDER NAGAR GNGD COLLEGE, 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.

Branch address & contact

Frequently asked questions

Final notes

To recap: PSIB0000727 is the IFSC code of Punjab and Sind Bank, KANPUR SUNDER NAGAR GNGD COLLEGE branch, in KANPUR, 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.