Use this page as a one-stop reference for everything related to Punjab and Sind Bank's LEH branch in LEH, JAMMU AND KASHMIR. The branch's IFSC code PSIB0021629 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 – LEH is PSIB0021629. The first four letters PSIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 021629 map to this branch in LEH, JAMMU AND KASHMIR.
Branch details at a glance
| Bank Name | Punjab and Sind Bank |
|---|---|
| Branch | Leh |
| IFSC Code | PSIB0021629 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PUNJAB AND SIND BANK GROUND FLOOR NEAR OASIS RESIDENCY GUEST HOUSE KADMOCHAY SKAMPARI LEH LADAKH 194101 |
| City | Leh |
| District | Leh |
| State | Jammu and Kashmir |
| STD Code | 1982 |
| Phone | 9103100601 |
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 Leh branch in Leh, Jammu and Kashmir is part of this network and uses the IFSC code PSIB0021629 for all electronic settlement.
About this branch
The branch is located at PUNJAB AND SIND BANK GROUND FLOOR NEAR OASIS RESIDENCY GUEST HOUSE KADMOCHAY SKAMPARI LEH LADAKH 194101. It serves the Leh 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 PSIB0021629 is used to identify this branch on the RBI payments network.
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 LEH of Punjab and Sind Bank — its own 11-character IFSC. The code PSIB0021629 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 PSIB0021629 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 PSIB0021629
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 PSIB0021629 across all three.
How to use IFSC PSIB0021629 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab and Sind Bank's LEH 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC PSIB0021629.
- Confirm the bank name auto-populates as Punjab and Sind Bank and the branch as LEH.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC PSIB0021629
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 – LEH, ensure your bank's portal accepts IFSC PSIB0021629 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Punjab and Sind Bank LEH (IFSC PSIB0021629)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PSIB0021629 in your mobile or internet banking app, and the money is credited to the LEH branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Leh
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 PSIB0021629:
- 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 LEH is still linked to IFSC PSIB0021629.
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.
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 LEH branch, the IFSC PSIB0021629 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 Leh branch
Once you have an account at Punjab and Sind Bank – LEH, the IFSC PSIB0021629 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.
Banking services available
The Leh branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1982-9103100601.
- 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 PSIB0021629
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 PSIB0021629 and the account number together uniquely identify the Leh branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC PSIB0021629
Punjab and Sind Bank customers can register for net banking and the bank's official mobile app once their account at the LEH 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 PSIB0021629 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.
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 – LEH:
- The IFSC is exactly PSIB0021629 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 LEH 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.
Reaching the branch
The Leh branch sits at PUNJAB AND SIND BANK GROUND FLOOR NEAR OASIS RESIDENCY GUEST HOUSE KADMOCHAY SKAMPARI LEH LADAKH 194101. If you are travelling from outside Leh, search for the branch on a maps application using the bank name and locality, or call 1982-9103100601 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC PSIB0021629 and your account number.
Verifying IFSC PSIB0021629 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 PSIB0021629 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1982-9103100601.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Leh 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 PSIB0021629 continue to work without interruption.
Branch address & contact
Punjab and Sind BankLeh Branch
PUNJAB AND SIND BANK GROUND FLOOR NEAR OASIS RESIDENCY GUEST HOUSE KADMOCHAY SKAMPARI LEH LADAKH 194101
Leh, Jammu and Kashmir
Phone: 1982-9103100601
IFSC: PSIB0021629
Frequently asked questions
Is IFSC PSIB0021629 the same for all accounts at Leh branch?
Yes. The IFSC PSIB0021629 is shared by every account held at Punjab and Sind Bank's Leh branch. Only the account number changes from customer to customer.
Can I use IFSC PSIB0021629 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PSIB0021629 to send funds instantly.
Is IFSC PSIB0021629 valid for NEFT and RTGS?
Yes. IFSC PSIB0021629 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Punjab and Sind Bank Leh as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PSIB0021629, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Punjab and Sind Bank Leh branch?
You can reach the branch at 1982-9103100601 during regular banking hours.
How quickly will an NEFT transfer using PSIB0021629 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab and Sind Bank – Leh reflect within 30 minutes.
Final notes
To recap: PSIB0021629 is the IFSC code of Punjab and Sind Bank, LEH branch, in LEH, JAMMU AND KASHMIR. 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.
