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

Below are the complete branch details for Punjab and Sind Bank, KHARWAN branch, located in KHARWAN, HARYANA. The IFSC assigned by the Reserve Bank of India to this branch is PSIB0000130. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case PSIB0000130 for Punjab and Sind Bank – KHARWAN — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – KHARWAN is PSIB0000130. The first four letters PSIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000130 map to this branch in KHARWAN, HARYANA.

About the bank

Punjab and Sind Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kharwan branch in Kharwan, Haryana is part of this network and uses the IFSC code PSIB0000130 for all electronic settlement.

Branch details at a glance

Kharwan branch overview

Located at KHARWAN, DISTT. AMBALA , HARYANA - 135105, the Kharwan branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PSIB0000130 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 KHARWAN of Punjab and Sind Bank — its own 11-character IFSC. The code PSIB0000130 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 PSIB0000130 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 Kharwan branch is mapped to IFSC PSIB0000130 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 PSIB0000130.

Banking services available

The Kharwan branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1735-240831.

• 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 PSIB0000130

How to transfer money using IFSC PSIB0000130

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 PSIB0000130 across all three.

NEFT to Punjab and Sind Bank, KHARWAN using IFSC PSIB0000130

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 PSIB0000130, and confirm that the system picks up Punjab and Sind Bank – KHARWAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KHARWAN

If you need to transfer ₹2 lakh or more in one go to an account at Punjab and Sind Bank's KHARWAN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PSIB0000130 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Punjab and Sind Bank – KHARWAN, use IMPS. With IFSC PSIB0000130 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC PSIB0000130 for Punjab and Sind Bank – KHARWAN, 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 Kharwan 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 PSIB0000130

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 – KHARWAN is still mapped to IFSC PSIB0000130. 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 PSIB0000130 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Kharwan 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 PSIB0000130 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.

MICR & cheque-truncation details

Cheques drawn on the Kharwan branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PSIB0000130 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – KHARWAN:

• The IFSC is exactly PSIB0000130 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 KHARWAN 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 Kharwan branch

The branch is located at KHARWAN, DISTT. AMBALA , HARYANA - 135105, which puts it inside Kharwan, the broader Ambala district, and the state of Haryana. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab and Sind Bank Kharwan branch” — the verified location pin for IFSC PSIB0000130 should appear at the top of the results.
2. Confirm the branch is open by calling 1735-240831 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 PSIB0000130 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PSIB0000130 for Punjab and Sind Bank – KHARWAN, 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 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 Kharwan branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PSIB0000130, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: PSIB0000130 is the IFSC code of Punjab and Sind Bank, KHARWAN branch, in KHARWAN, 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.