If you are searching for the IFSC code of Punjab and Sind Bank, SIMBAL MORR branch in MIRAN SAHIB, JAMMU AND KASHMIR, this page has every detail you need. The verified IFSC code for this branch is PSIB0021166. 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 SIMBAL MORR branch, and detailed step-by-step guides for using the IFSC PSIB0021166 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, PSIB0021166 is the IFSC of Punjab and Sind Bank's SIMBAL MORR branch. The format is fixed: PSIB = bank code, 0 = reserved, 021166 = branch identifier.
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 Simbal Morr branch in Miran Sahib, Jammu and Kashmir is part of this network and uses the IFSC code PSIB0021166 for all electronic settlement.
About this branch
The branch is located at PO MIRAN SAHIB TEH R S PURA DISTT JAMMU J AND K 181101. It serves the Miran Sahib 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 PSIB0021166 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Punjab and Sind Bank |
|---|---|
| Branch | Simbal Morr |
| IFSC Code | PSIB0021166 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PO MIRAN SAHIB TEH R S PURA DISTT JAMMU J AND K 181101 |
| City | Miran Sahib |
| District | Jammu |
| State | Jammu and Kashmir |
| STD Code | 91 |
| Phone | 7347044967 |
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 SIMBAL MORR branch came to be assigned the code PSIB0021166.
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 PSIB0021166, money simply cannot be routed to the SIMBAL MORR branch electronically.
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 PSIB0021166 and the account number together uniquely identify the Simbal Morr branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC PSIB0021166
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 PSIB0021166 across all three.
NEFT to Punjab and Sind Bank, SIMBAL MORR using IFSC PSIB0021166
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 PSIB0021166, and confirm that the system picks up Punjab and Sind Bank – SIMBAL MORR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to SIMBAL MORR
If you need to transfer ₹2 lakh or more in one go to an account at Punjab and Sind Bank's SIMBAL MORR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PSIB0021166 while initiating the transfer and the credit will appear within minutes.
IMPS to Punjab and Sind Bank SIMBAL MORR (IFSC PSIB0021166)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PSIB0021166 in your mobile or internet banking app, and the money is credited to the SIMBAL MORR branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Simbal Morr
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 PSIB0021166:
- 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 SIMBAL MORR is still linked to IFSC PSIB0021166.
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 SIMBAL MORR branch, the IFSC PSIB0021166 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 Simbal Morr branch
Once you have an account at Punjab and Sind Bank – SIMBAL MORR, the IFSC PSIB0021166 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.
Products and services
Customers walking into the Simbal Morr 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 PSIB0021166
Online banking and IFSC PSIB0021166
Punjab and Sind Bank customers can register for net banking and the bank's official mobile app once their account at the SIMBAL MORR 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 PSIB0021166 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.
How to reach the Simbal Morr branch
The branch is located at PO MIRAN SAHIB TEH R S PURA DISTT JAMMU J AND K 181101, which puts it inside Miran Sahib, the broader Jammu district, and the state of Jammu and Kashmir. To plan your visit:
- Open Google Maps on your phone and search for “Punjab and Sind Bank Simbal Morr branch” — the verified location pin for IFSC PSIB0021166 should appear at the top of the results.
- Confirm the branch is open by calling 91-7347044967 before stepping out, especially around public holidays.
- 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 PSIB0021166 and your account number.
Common mistakes to avoid when using IFSC PSIB0021166
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 – SIMBAL MORR, 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:
PSIB0021166. - 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.
Working hours
Branch counters at Simbal Morr 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 PSIB0021166 continue to work without interruption.
Verifying IFSC PSIB0021166 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 PSIB0021166 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-7347044967.
- Visiting the bank's official branch locator page.
Branch address & contact
Punjab and Sind BankSimbal Morr Branch
PO MIRAN SAHIB TEH R S PURA DISTT JAMMU J AND K 181101
Miran Sahib, Jammu and Kashmir
Phone: 91-7347044967
IFSC: PSIB0021166
Frequently asked questions
What is the IFSC code of Punjab and Sind Bank Simbal Morr branch?
The IFSC code of Punjab and Sind Bank, Simbal Morr branch is PSIB0021166. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC PSIB0021166 the same for all accounts at Simbal Morr branch?
Yes. The IFSC PSIB0021166 is shared by every account held at Punjab and Sind Bank's Simbal Morr branch. Only the account number changes from customer to customer.
Does Punjab and Sind Bank Simbal Morr branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-7347044967 to confirm.
How quickly will an NEFT transfer using PSIB0021166 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab and Sind Bank – Simbal Morr reflect within 30 minutes.
How do I add Punjab and Sind Bank Simbal Morr as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PSIB0021166, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Punjab and Sind Bank Simbal Morr branch?
You can reach the branch at 91-7347044967 during regular banking hours.
Can I use IFSC PSIB0021166 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PSIB0021166 to send funds instantly.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Simbal Morr branch but serve different purposes.
Summary
The IFSC code PSIB0021166 belongs to Punjab and Sind Bank's SIMBAL MORR branch, located at PO MIRAN SAHIB TEH R S PURA DISTT JAMMU J AND K 181101 in MIRAN SAHIB, JAMMU AND KASHMIR. 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.
