IFSC Code of Punjab and Sind Bank, Lda Colony Lucknow Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Punjab and Sind Bank's LDA COLONY LUCKNOW branch in LUCKNOW, UTTAR PRADESH. The branch's IFSC code PSIB0000776 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.

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 LDA COLONY LUCKNOW branch, the IFSC PSIB0000776 breaks down as follows: PSIB identifies the bank, 0 is the reserved character, and 000776 identifies this particular branch.

Branch details at a glance

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 Lda Colony Lucknow branch in Lucknow, Uttar Pradesh is part of this network and uses the IFSC code PSIB0000776 for all electronic settlement.

About the Lda Colony Lucknow branch

The Lda Colony Lucknow branch of Punjab and Sind Bank is situated at ST ANNS DAY SCHOOL SECTOR F L D A COLONY KANPUR ROAD LUCKNOW. 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 PSIB0000776 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 LDA COLONY LUCKNOW branch came to be assigned the code PSIB0000776.

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 PSIB0000776, money simply cannot be routed to the LDA COLONY LUCKNOW branch electronically.

How to transfer money using IFSC PSIB0000776

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 PSIB0000776 across all three.

NEFT to Punjab and Sind Bank, LDA COLONY LUCKNOW using IFSC PSIB0000776

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 PSIB0000776, and confirm that the system picks up Punjab and Sind Bank – LDA COLONY LUCKNOW. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to LDA COLONY LUCKNOW

If you need to transfer ₹2 lakh or more in one go to an account at Punjab and Sind Bank's LDA COLONY LUCKNOW branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PSIB0000776 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab and Sind Bank LDA COLONY LUCKNOW (IFSC PSIB0000776)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PSIB0000776 in your mobile or internet banking app, and the money is credited to the LDA COLONY LUCKNOW branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Lda Colony Lucknow

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 PSIB0000776:

• 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 LDA COLONY LUCKNOW is still linked to IFSC PSIB0000776.

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 PSIB0000776

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 – LDA COLONY LUCKNOW is still mapped to IFSC PSIB0000776. 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 PSIB0000776 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Lda Colony Lucknow branch is mapped to IFSC PSIB0000776 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 PSIB0000776.

Products and services

Customers walking into the Lda Colony Lucknow 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 PSIB0000776

MICR & cheque-truncation details

Cheques drawn on the Lda Colony Lucknow branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PSIB0000776 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC PSIB0000776

Punjab and Sind Bank customers can register for net banking and the bank's official mobile app once their account at the LDA COLONY LUCKNOW 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 PSIB0000776 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 – LDA COLONY LUCKNOW:

• The IFSC is exactly PSIB0000776 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 LDA COLONY LUCKNOW 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 Lda Colony Lucknow branch sits at ST ANNS DAY SCHOOL SECTOR F L D A COLONY KANPUR ROAD LUCKNOW. If you are travelling from outside Lucknow, search for the branch on a maps application using the bank name and locality, or call 91-9580508549 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 PSIB0000776 and your account number.

Verifying IFSC PSIB0000776 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 PSIB0000776 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9580508549.
• Visiting the bank's official branch locator page.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Lda Colony Lucknow branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PSIB0000776, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PSIB0000776 belongs to Punjab and Sind Bank's LDA COLONY LUCKNOW branch, located at ST ANNS DAY SCHOOL SECTOR F L D A COLONY KANPUR ROAD LUCKNOW in LUCKNOW, 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.