Below are the complete branch details for Punjab and Sind Bank, ARGI SARPATI branch, located in MIRZAPUR, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is PSIB0021210. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case PSIB0021210 for Punjab and Sind Bank – ARGI SARPATI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, PSIB0021210 is the IFSC of Punjab and Sind Bank's ARGI SARPATI branch. The format is fixed: PSIB = bank code, 0 = reserved, 021210 = branch identifier.
Bank profile
Punjab and Sind Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Argi Sarpati branch — IFSC PSIB0021210 — extends the bank's services to customers in and around Mirzapur, Uttar Pradesh.
Argi Sarpati branch overview
Located at VILL ARGI SARPATI BLOCK CHHANBEY TEH SADAR MIRZAPUR UP 231303, the Argi Sarpati branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PSIB0021210 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Punjab and Sind Bank |
|---|---|
| Branch | Argi Sarpati |
| IFSC Code | PSIB0021210 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL ARGI SARPATI BLOCK CHHANBEY TEH SADAR MIRZAPUR UP 231303 |
| City | Mirzapur |
| District | Mirzapur |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 9580508497 |
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 ARGI SARPATI of Punjab and Sind Bank — its own 11-character IFSC. The code PSIB0021210 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 PSIB0021210 the same way you would treat your account number — verify it once and save it carefully for future use.
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 PSIB0021210 and the account number together uniquely identify the Argi Sarpati branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC PSIB0021210
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 PSIB0021210 across all three.
NEFT to Punjab and Sind Bank, ARGI SARPATI using IFSC PSIB0021210
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 PSIB0021210, and confirm that the system picks up Punjab and Sind Bank – ARGI SARPATI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC PSIB0021210
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 – ARGI SARPATI, ensure your bank's portal accepts IFSC PSIB0021210 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Punjab and Sind Bank ARGI SARPATI (IFSC PSIB0021210)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PSIB0021210 in your mobile or internet banking app, and the money is credited to the ARGI SARPATI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PSIB0021210 for Punjab and Sind Bank – ARGI SARPATI, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – PSIB0021210 | Yes – PSIB0021210 | Yes – PSIB0021210 |
For most retail customers crediting the Argi Sarpati 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 ARGI SARPATI branch, the IFSC PSIB0021210 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.
Products and account variants supported
Every account opened at the Argi Sarpati branch is mapped to IFSC PSIB0021210 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 PSIB0021210.
Products and services
Customers walking into the Argi Sarpati 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 PSIB0021210
Online banking and IFSC PSIB0021210
Punjab and Sind Bank customers can register for net banking and the bank's official mobile app once their account at the ARGI SARPATI 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 PSIB0021210 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 Argi Sarpati branch
The branch is located at VILL ARGI SARPATI BLOCK CHHANBEY TEH SADAR MIRZAPUR UP 231303, which puts it inside Mirzapur, the broader Mirzapur district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Punjab and Sind Bank Argi Sarpati branch” — the verified location pin for IFSC PSIB0021210 should appear at the top of the results.
- Confirm the branch is open by calling 91-9580508497 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 PSIB0021210 and your account number.
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 – ARGI SARPATI:
- The IFSC is exactly PSIB0021210 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 ARGI SARPATI 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.
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 Argi Sarpati branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PSIB0021210, however, work 24x7.
Verifying IFSC PSIB0021210 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 PSIB0021210 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9580508497.
- Visiting the bank's official branch locator page.
Branch address & contact
Punjab and Sind BankArgi Sarpati Branch
VILL ARGI SARPATI BLOCK CHHANBEY TEH SADAR MIRZAPUR UP 231303
Mirzapur, Uttar Pradesh
Phone: 91-9580508497
IFSC: PSIB0021210
Frequently asked questions
Can I use IFSC PSIB0021210 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PSIB0021210 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 Argi Sarpati branch but serve different purposes.
How quickly will an NEFT transfer using PSIB0021210 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab and Sind Bank – Argi Sarpati reflect within 30 minutes.
How do I add Punjab and Sind Bank Argi Sarpati as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PSIB0021210, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Punjab and Sind Bank Argi Sarpati branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9580508497 to confirm.
Where is Punjab and Sind Bank Argi Sarpati branch located?
Punjab and Sind Bank's Argi Sarpati branch is located at VILL ARGI SARPATI BLOCK CHHANBEY TEH SADAR MIRZAPUR UP 231303, Mirzapur, Uttar Pradesh.
What is the phone number of Punjab and Sind Bank Argi Sarpati branch?
You can reach the branch at 91-9580508497 during regular banking hours.
Final notes
To recap: PSIB0021210 is the IFSC code of Punjab and Sind Bank, ARGI SARPATI branch, in MIRZAPUR, 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.
