IFSC Code of Punjab and Sind Bank, Salt Lake Kolkata Branch, West Bengal

Use this page as a one-stop reference for everything related to Punjab and Sind Bank's SALT LAKE KOLKATA branch in KOLKATA, WEST BENGAL. The branch's IFSC code PSIB0000620 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 – SALT LAKE KOLKATA is PSIB0000620. The first four letters PSIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000620 map to this branch in KOLKATA, WEST BENGAL.

About Punjab and Sind Bank

Punjab and Sind Bank operates a wide network of branches across India, including the Salt Lake Kolkata branch in Kolkata. 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, PSIB0000620.

Branch details at a glance

About the Salt Lake Kolkata branch

The Salt Lake Kolkata branch of Punjab and Sind Bank is situated at B J 111 SECTOR II SALT LAKE AREA KOLKATTA 7000069. 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 PSIB0000620 is used.

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 SALT LAKE KOLKATA of Punjab and Sind Bank — its own 11-character IFSC. The code PSIB0000620 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 PSIB0000620 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 Salt Lake Kolkata branch is mapped to IFSC PSIB0000620 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 PSIB0000620.

Banking services available

The Salt Lake Kolkata branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-23345990.

• 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 PSIB0000620

How to transfer money using IFSC PSIB0000620

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 PSIB0000620 across all three.

NEFT to Punjab and Sind Bank, SALT LAKE KOLKATA using IFSC PSIB0000620

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 PSIB0000620, and confirm that the system picks up Punjab and Sind Bank – SALT LAKE KOLKATA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PSIB0000620

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 – SALT LAKE KOLKATA, ensure your bank's portal accepts IFSC PSIB0000620 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab and Sind Bank SALT LAKE KOLKATA (IFSC PSIB0000620)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PSIB0000620 in your mobile or internet banking app, and the money is credited to the SALT LAKE KOLKATA branch account within seconds.

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

All three modes accept the IFSC PSIB0000620 for Punjab and Sind Bank – SALT LAKE KOLKATA, 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 Salt Lake Kolkata 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 PSIB0000620

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 – SALT LAKE KOLKATA is still mapped to IFSC PSIB0000620. 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 PSIB0000620 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 Salt Lake Kolkata 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 PSIB0000620 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 Salt Lake Kolkata branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PSIB0000620 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 – SALT LAKE KOLKATA:

• The IFSC is exactly PSIB0000620 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 SALT LAKE 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 Salt Lake Kolkata branch

The branch is located at B J 111 SECTOR II SALT LAKE AREA KOLKATTA 7000069, 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 Salt Lake Kolkata branch” — the verified location pin for IFSC PSIB0000620 should appear at the top of the results.
2. Confirm the branch is open by calling 33-23345990 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 PSIB0000620 and your account number.

Verifying IFSC PSIB0000620 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 PSIB0000620 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 33-23345990.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Salt Lake 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 PSIB0000620 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PSIB0000620 belongs to Punjab and Sind Bank's SALT LAKE KOLKATA branch, located at B J 111 SECTOR II SALT LAKE AREA KOLKATTA 7000069 in KOLKATA, WEST BENGAL. 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.