IFSC Code of Punjab and Sind Bank, Karnal Guru Teg Bahadur Public School Branch, Haryana

Use this page as a one-stop reference for everything related to Punjab and Sind Bank's KARNAL GURU TEG BAHADUR PUBLIC SCHOOL branch in KARNAL, HARYANA. The branch's IFSC code PSIB0000747 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, PSIB0000747 is the IFSC of Punjab and Sind Bank's KARNAL GURU TEG BAHADUR PUBLIC SCHOOL branch. The format is fixed: PSIB = bank code, 0 = reserved, 000747 = branch identifier.

Branch details at a glance

About Punjab and Sind Bank

Punjab and Sind Bank operates a wide network of branches across India, including the Karnal Guru Teg Bahadur Public School branch in Karnal. 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, PSIB0000747.

Karnal Guru Teg Bahadur Public School branch overview

Located at G T B PUBLIC SCHOOL MODEL TOWN KARNAL HARYANA 132001, the Karnal Guru Teg Bahadur Public School branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PSIB0000747 is required for all interbank electronic transfers routed through this branch.

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 KARNAL GURU TEG BAHADUR PUBLIC SCHOOL of Punjab and Sind Bank — its own 11-character IFSC. The code PSIB0000747 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 PSIB0000747 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC PSIB0000747

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 PSIB0000747 across all three.

How to use IFSC PSIB0000747 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab and Sind Bank's KARNAL GURU TEG BAHADUR PUBLIC SCHOOL 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 PSIB0000747.
4. Confirm the bank name auto-populates as Punjab and Sind Bank and the branch as KARNAL GURU TEG BAHADUR PUBLIC SCHOOL.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC PSIB0000747

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 – KARNAL GURU TEG BAHADUR PUBLIC SCHOOL, ensure your bank's portal accepts IFSC PSIB0000747 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab and Sind Bank KARNAL GURU TEG BAHADUR PUBLIC SCHOOL (IFSC PSIB0000747)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PSIB0000747 in your mobile or internet banking app, and the money is credited to the KARNAL GURU TEG BAHADUR PUBLIC SCHOOL branch account within seconds.

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

All three modes accept the IFSC PSIB0000747 for Punjab and Sind Bank – KARNAL GURU TEG BAHADUR PUBLIC SCHOOL, 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 Karnal Guru Teg Bahadur Public School 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 KARNAL GURU TEG BAHADUR PUBLIC SCHOOL branch, the IFSC PSIB0000747 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 Karnal Guru Teg Bahadur Public School branch

Once you have an account at Punjab and Sind Bank – KARNAL GURU TEG BAHADUR PUBLIC SCHOOL, the IFSC PSIB0000747 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 Karnal Guru Teg Bahadur Public School 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 PSIB0000747

MICR & cheque-truncation details

Cheques drawn on the Karnal Guru Teg Bahadur Public School branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PSIB0000747 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Karnal Guru Teg Bahadur Public School branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC PSIB0000747 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

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 – KARNAL GURU TEG BAHADUR PUBLIC SCHOOL:

• The IFSC is exactly PSIB0000747 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 KARNAL GURU TEG BAHADUR PUBLIC SCHOOL 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 Karnal Guru Teg Bahadur Public School branch

The branch is located at G T B PUBLIC SCHOOL MODEL TOWN KARNAL HARYANA 132001, which puts it inside Karnal, the broader Karnal district, and the state of Haryana. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab and Sind Bank Karnal Guru Teg Bahadur Public School branch” — the verified location pin for IFSC PSIB0000747 should appear at the top of the results.
2. Confirm the branch is open by calling 184-2266547 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 PSIB0000747 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PSIB0000747 for Punjab and Sind Bank – KARNAL GURU TEG BAHADUR PUBLIC SCHOOL, 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 Karnal Guru Teg Bahadur Public School 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 PSIB0000747 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PSIB0000747 is the IFSC code of Punjab and Sind Bank, KARNAL GURU TEG BAHADUR PUBLIC SCHOOL branch, in KARNAL, HARYANA. 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.