IFSC Code of Punjab and Sind Bank, Birati Mahajati Vidya Mandir Kolkata Branch, West Bengal

Below are the complete branch details for Punjab and Sind Bank, BIRATI MAHAJATI VIDYA MANDIR KOLKATA branch, located in KOLKATA, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is PSIB0000846. 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 PSIB0000846 for Punjab and Sind Bank – BIRATI MAHAJATI VIDYA MANDIR KOLKATA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, PSIB0000846 is the IFSC of Punjab and Sind Bank's BIRATI MAHAJATI VIDYA MANDIR KOLKATA branch. The format is fixed: PSIB = bank code, 0 = reserved, 000846 = branch identifier.

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 Birati Mahajati Vidya Mandir Kolkata branch in Kolkata, West Bengal is part of this network and uses the IFSC code PSIB0000846 for all electronic settlement.

Branch details at a glance

About the Birati Mahajati Vidya Mandir Kolkata branch

The Birati Mahajati Vidya Mandir Kolkata branch of Punjab and Sind Bank is situated at BIRATI MAHAJATI VIDYA MANDIR KOLKATTA WEST BENGAL 700051. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code PSIB0000846 is used.

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 BIRATI MAHAJATI VIDYA MANDIR KOLKATA branch came to be assigned the code PSIB0000846.

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 PSIB0000846, money simply cannot be routed to the BIRATI MAHAJATI VIDYA MANDIR KOLKATA branch electronically.

Products and account variants supported

Every account opened at the Birati Mahajati Vidya Mandir Kolkata branch is mapped to IFSC PSIB0000846 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 PSIB0000846.

Banking services available

The Birati Mahajati Vidya Mandir Kolkata branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-25146477.

• 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 PSIB0000846

How to transfer money using IFSC PSIB0000846

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 PSIB0000846 across all three.

How to use IFSC PSIB0000846 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab and Sind Bank's BIRATI MAHAJATI VIDYA MANDIR KOLKATA 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 PSIB0000846.
4. Confirm the bank name auto-populates as Punjab and Sind Bank and the branch as BIRATI MAHAJATI VIDYA MANDIR KOLKATA.
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 BIRATI MAHAJATI VIDYA MANDIR KOLKATA

If you need to transfer ₹2 lakh or more in one go to an account at Punjab and Sind Bank's BIRATI MAHAJATI VIDYA MANDIR KOLKATA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PSIB0000846 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab and Sind Bank BIRATI MAHAJATI VIDYA MANDIR KOLKATA (IFSC PSIB0000846)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PSIB0000846 in your mobile or internet banking app, and the money is credited to the BIRATI MAHAJATI VIDYA MANDIR KOLKATA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Birati Mahajati Vidya Mandir Kolkata

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 PSIB0000846:

• 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 BIRATI MAHAJATI VIDYA MANDIR KOLKATA is still linked to IFSC PSIB0000846.

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 PSIB0000846

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 – BIRATI MAHAJATI VIDYA MANDIR KOLKATA is still mapped to IFSC PSIB0000846. 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 PSIB0000846 and the beneficiary's account number to complete the transfer.

Online banking and IFSC PSIB0000846

Punjab and Sind Bank customers can register for net banking and the bank's official mobile app once their account at the BIRATI MAHAJATI VIDYA MANDIR KOLKATA 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 PSIB0000846 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 PSIB0000846 and the account number together uniquely identify the Birati Mahajati Vidya Mandir Kolkata 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 – BIRATI MAHAJATI VIDYA MANDIR KOLKATA:

• The IFSC is exactly PSIB0000846 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 BIRATI MAHAJATI VIDYA MANDIR KOLKATA 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 Birati Mahajati Vidya Mandir Kolkata branch

The branch is located at BIRATI MAHAJATI VIDYA MANDIR KOLKATTA WEST BENGAL 700051, which puts it inside Kolkata, the broader Kolkata district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab and Sind Bank Birati Mahajati Vidya Mandir Kolkata branch” — the verified location pin for IFSC PSIB0000846 should appear at the top of the results.
2. Confirm the branch is open by calling 33-25146477 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 PSIB0000846 and your account number.

Verifying IFSC PSIB0000846 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 PSIB0000846 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 33-25146477.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Birati Mahajati Vidya Mandir Kolkata 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 PSIB0000846 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PSIB0000846 is the IFSC code of Punjab and Sind Bank, BIRATI MAHAJATI VIDYA MANDIR KOLKATA branch, in KOLKATA, WEST BENGAL. 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.