IFSC Code of Punjab and Sind Bank, Lucknow Pioner M I College Rakabganj Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Punjab and Sind Bank's LUCKNOW PIONER M I COLLEGE RAKABGANJ branch in LUCKNOW, UTTAR PRADESH. The branch's IFSC code PSIB0000790 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.

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, PSIB0000790 is the IFSC of Punjab and Sind Bank's LUCKNOW PIONER M I COLLEGE RAKABGANJ branch. The format is fixed: PSIB = bank code, 0 = reserved, 000790 = branch identifier.

About Punjab and Sind Bank

Punjab and Sind Bank operates a wide network of branches across India, including the Lucknow Pioner M I College Rakabganj branch in Lucknow. 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, PSIB0000790.

Branch details at a glance

Lucknow Pioner M I College Rakabganj branch overview

Located at PIONEER MONTESSORI SCHOOL INDRANI NAGAR KUNDRI RAKABGANJ LUCKNOW UTTAR PRADESH 226004, the Lucknow Pioner M I College Rakabganj branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PSIB0000790 is required for all interbank electronic transfers routed through this branch.

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 LUCKNOW PIONER M I COLLEGE RAKABGANJ branch came to be assigned the code PSIB0000790.

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 PSIB0000790, money simply cannot be routed to the LUCKNOW PIONER M I COLLEGE RAKABGANJ branch electronically.

Products and account variants supported

Every account opened at the Lucknow Pioner M I College Rakabganj branch is mapped to IFSC PSIB0000790 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 PSIB0000790.

Products and services

Customers walking into the Lucknow Pioner M I College Rakabganj 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 PSIB0000790

How to transfer money using IFSC PSIB0000790

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 PSIB0000790 across all three.

NEFT to Punjab and Sind Bank, LUCKNOW PIONER M I COLLEGE RAKABGANJ using IFSC PSIB0000790

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 PSIB0000790, and confirm that the system picks up Punjab and Sind Bank – LUCKNOW PIONER M I COLLEGE RAKABGANJ. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to LUCKNOW PIONER M I COLLEGE RAKABGANJ

If you need to transfer ₹2 lakh or more in one go to an account at Punjab and Sind Bank's LUCKNOW PIONER M I COLLEGE RAKABGANJ branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PSIB0000790 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Punjab and Sind Bank – LUCKNOW PIONER M I COLLEGE RAKABGANJ, use IMPS. With IFSC PSIB0000790 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC PSIB0000790 for Punjab and Sind Bank – LUCKNOW PIONER M I COLLEGE RAKABGANJ, 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 Lucknow Pioner M I College Rakabganj 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.

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 LUCKNOW PIONER M I COLLEGE RAKABGANJ branch, the IFSC PSIB0000790 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.

Digital banking channels

Most day-to-day work that customers used to do at the Lucknow Pioner M I College Rakabganj 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 PSIB0000790 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 PSIB0000790 and the account number together uniquely identify the Lucknow Pioner M I College Rakabganj 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 PSIB0000790

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 – LUCKNOW PIONER M I COLLEGE RAKABGANJ, 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: PSIB0000790.
• 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 Lucknow Pioner M I College Rakabganj branch sits at PIONEER MONTESSORI SCHOOL INDRANI NAGAR KUNDRI RAKABGANJ LUCKNOW UTTAR PRADESH 226004. If you are travelling from outside Lucknow, search for the branch on a maps application using the bank name and locality, or call 522-4235056 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 PSIB0000790 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PSIB0000790 for Punjab and Sind Bank – LUCKNOW PIONER M I COLLEGE RAKABGANJ, 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 Lucknow Pioner M I College Rakabganj 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 PSIB0000790 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PSIB0000790 is the IFSC code of Punjab and Sind Bank, LUCKNOW PIONER M I COLLEGE RAKABGANJ branch, in LUCKNOW, UTTAR PRADESH. 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.