IFSC Code of Punjab and Sind Bank, Kamahi Devi Beh Nangal Branch, Punjab

If you are searching for the IFSC code of Punjab and Sind Bank, KAMAHI DEVI BEH NANGAL branch in KUMAHI DEVI, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is PSIB0021061. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KAMAHI DEVI BEH NANGAL branch, and detailed step-by-step guides for using the IFSC PSIB0021061 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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, PSIB0021061 is the IFSC of Punjab and Sind Bank's KAMAHI DEVI BEH NANGAL branch. The format is fixed: PSIB = bank code, 0 = reserved, 021061 = branch identifier.

About Punjab and Sind Bank

Punjab and Sind Bank operates a wide network of branches across India, including the Kamahi Devi Beh Nangal branch in Kumahi Devi. 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, PSIB0021061.

Branch details at a glance

About this branch

The branch is located at MAIN BAZAR VPO KAMAHI DEVI DISTT HOSHIARPUR DISTT HOSHIARPUR PUNJAB 144223. It serves the Kumahi Devi region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Punjab and Sind Bank. The IFSC PSIB0021061 is used to identify this branch on the RBI payments network.

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 KAMAHI DEVI BEH NANGAL branch came to be assigned the code PSIB0021061.

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 PSIB0021061, money simply cannot be routed to the KAMAHI DEVI BEH NANGAL branch electronically.

Products and account variants supported

Every account opened at the Kamahi Devi Beh Nangal branch is mapped to IFSC PSIB0021061 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 PSIB0021061.

Banking services available

The Kamahi Devi Beh Nangal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1883-231537.

• 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 PSIB0021061

How to transfer money using IFSC PSIB0021061

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 PSIB0021061 across all three.

NEFT to Punjab and Sind Bank, KAMAHI DEVI BEH NANGAL using IFSC PSIB0021061

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 PSIB0021061, and confirm that the system picks up Punjab and Sind Bank – KAMAHI DEVI BEH NANGAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KAMAHI DEVI BEH NANGAL

If you need to transfer ₹2 lakh or more in one go to an account at Punjab and Sind Bank's KAMAHI DEVI BEH NANGAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PSIB0021061 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab and Sind Bank KAMAHI DEVI BEH NANGAL (IFSC PSIB0021061)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PSIB0021061 in your mobile or internet banking app, and the money is credited to the KAMAHI DEVI BEH NANGAL branch account within seconds.

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

All three modes accept the IFSC PSIB0021061 for Punjab and Sind Bank – KAMAHI DEVI BEH NANGAL, 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 Kamahi Devi Beh Nangal 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 PSIB0021061

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 – KAMAHI DEVI BEH NANGAL is still mapped to IFSC PSIB0021061. 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 PSIB0021061 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 Kamahi Devi Beh Nangal 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 PSIB0021061 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 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 PSIB0021061 and the account number together uniquely identify the Kamahi Devi Beh Nangal branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC PSIB0021061

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 – KAMAHI DEVI BEH NANGAL, 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: PSIB0021061.
• 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.

How to reach the Kamahi Devi Beh Nangal branch

The branch is located at MAIN BAZAR VPO KAMAHI DEVI DISTT HOSHIARPUR DISTT HOSHIARPUR PUNJAB 144223, which puts it inside Kumahi Devi, the broader Hoshiarpur district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab and Sind Bank Kamahi Devi Beh Nangal branch” — the verified location pin for IFSC PSIB0021061 should appear at the top of the results.
2. Confirm the branch is open by calling 1883-231537 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 PSIB0021061 and your account number.

Verifying IFSC PSIB0021061 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 PSIB0021061 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1883-231537.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kamahi Devi Beh Nangal 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 PSIB0021061 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PSIB0021061 belongs to Punjab and Sind Bank's KAMAHI DEVI BEH NANGAL branch, located at MAIN BAZAR VPO KAMAHI DEVI DISTT HOSHIARPUR DISTT HOSHIARPUR PUNJAB 144223 in KUMAHI DEVI, PUNJAB. 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.