IFSC Code of Punjab and Sind Bank, Loni Border Ghaziabad Up Branch, Uttar Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab and Sind Bank, LONI BORDER GHAZIABAD UP branch in LONI. The 11-digit IFSC PSIB0000704 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Punjab and Sind Bank at the LONI BORDER GHAZIABAD UP location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Punjab and Sind Bank's LONI BORDER GHAZIABAD UP branch, the IFSC PSIB0000704 breaks down as follows: PSIB identifies the bank, 0 is the reserved character, and 000704 identifies this particular branch.

About Punjab and Sind Bank

Punjab and Sind Bank operates a wide network of branches across India, including the Loni Border Ghaziabad Up branch in Loni. 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, PSIB0000704.

Branch details at a glance

Loni Border Ghaziabad Up branch overview

Located at LAKSHMI GARDENS LONI BORDER DISTT GHAZIABAD UP, the Loni Border Ghaziabad Up branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PSIB0000704 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 LONI BORDER GHAZIABAD UP of Punjab and Sind Bank — its own 11-character IFSC. The code PSIB0000704 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 PSIB0000704 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 Loni Border Ghaziabad Up branch is mapped to IFSC PSIB0000704 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 PSIB0000704.

Products and services

Customers walking into the Loni Border Ghaziabad Up branch can access most of Punjab and Sind Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC PSIB0000704

How to transfer money using IFSC PSIB0000704

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 PSIB0000704 across all three.

NEFT to Punjab and Sind Bank, LONI BORDER GHAZIABAD UP using IFSC PSIB0000704

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 PSIB0000704, and confirm that the system picks up Punjab and Sind Bank – LONI BORDER GHAZIABAD UP. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to LONI BORDER GHAZIABAD UP

If you need to transfer ₹2 lakh or more in one go to an account at Punjab and Sind Bank's LONI BORDER GHAZIABAD UP branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PSIB0000704 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab and Sind Bank LONI BORDER GHAZIABAD UP (IFSC PSIB0000704)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PSIB0000704 in your mobile or internet banking app, and the money is credited to the LONI BORDER GHAZIABAD UP branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Loni Border Ghaziabad Up

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 PSIB0000704:

• 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 LONI BORDER GHAZIABAD UP is still linked to IFSC PSIB0000704.

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 PSIB0000704

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 – LONI BORDER GHAZIABAD UP is still mapped to IFSC PSIB0000704. 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 PSIB0000704 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 Loni Border Ghaziabad Up 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 PSIB0000704 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 Loni Border Ghaziabad Up branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PSIB0000704 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC PSIB0000704

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 – LONI BORDER GHAZIABAD UP, 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: PSIB0000704.
• 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.

Reaching the branch

The Loni Border Ghaziabad Up branch sits at LAKSHMI GARDENS LONI BORDER DISTT GHAZIABAD UP. If you are travelling from outside Loni, search for the branch on a maps application using the bank name and locality, or call 120-2609320 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 PSIB0000704 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PSIB0000704 for Punjab and Sind Bank – LONI BORDER GHAZIABAD UP, 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.

Working hours

Branch counters at Loni Border Ghaziabad Up 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 PSIB0000704 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PSIB0000704 belongs to Punjab and Sind Bank's LONI BORDER GHAZIABAD UP branch, located at LAKSHMI GARDENS LONI BORDER DISTT GHAZIABAD UP in LONI, UTTAR PRADESH. 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.