IFSC Code of Punjab and Sind Bank, Moga Guru Nanak College Branch, Punjab

Use this page as a one-stop reference for everything related to Punjab and Sind Bank's MOGA GURU NANAK COLLEGE branch in MOGA, PUNJAB. The branch's IFSC code PSIB0000839 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Punjab and Sind Bank – MOGA GURU NANAK COLLEGE is PSIB0000839. The first four letters PSIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000839 map to this branch in MOGA, PUNJAB.

Branch details at a glance

Bank profile

Punjab and Sind Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Moga Guru Nanak College branch — IFSC PSIB0000839 — extends the bank's services to customers in and around Moga, Punjab.

Moga Guru Nanak College branch overview

Located at GURU NANAK COLLEGE MOGA PUNJAB 142001, the Moga Guru Nanak College branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PSIB0000839 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 MOGA GURU NANAK COLLEGE of Punjab and Sind Bank — its own 11-character IFSC. The code PSIB0000839 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 PSIB0000839 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC PSIB0000839

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 PSIB0000839 across all three.

How to use IFSC PSIB0000839 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab and Sind Bank's MOGA GURU NANAK COLLEGE branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC PSIB0000839.
4. Confirm the bank name auto-populates as Punjab and Sind Bank and the branch as MOGA GURU NANAK COLLEGE.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to MOGA GURU NANAK COLLEGE

If you need to transfer ₹2 lakh or more in one go to an account at Punjab and Sind Bank's MOGA GURU NANAK COLLEGE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PSIB0000839 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab and Sind Bank MOGA GURU NANAK COLLEGE (IFSC PSIB0000839)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PSIB0000839 in your mobile or internet banking app, and the money is credited to the MOGA GURU NANAK COLLEGE branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Moga Guru Nanak College

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 PSIB0000839:

• 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 MOGA GURU NANAK COLLEGE is still linked to IFSC PSIB0000839.

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 PSIB0000839

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 – MOGA GURU NANAK COLLEGE is still mapped to IFSC PSIB0000839. 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 PSIB0000839 and the beneficiary's account number to complete the transfer.

Account types you can open at the Moga Guru Nanak College branch

Once you have an account at Punjab and Sind Bank – MOGA GURU NANAK COLLEGE, the IFSC PSIB0000839 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.

Banking services available

The Moga Guru Nanak College branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1636-225854.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC PSIB0000839

MICR & cheque-truncation details

Cheques drawn on the Moga Guru Nanak College branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PSIB0000839 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC PSIB0000839

Punjab and Sind Bank customers can register for net banking and the bank's official mobile app once their account at the MOGA GURU NANAK COLLEGE 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 PSIB0000839 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.

Common mistakes to avoid when using IFSC PSIB0000839

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 – MOGA GURU NANAK COLLEGE, 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: PSIB0000839.
• 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.

How to reach the Moga Guru Nanak College branch

The branch is located at GURU NANAK COLLEGE MOGA PUNJAB 142001, which puts it inside Moga, the broader Moga district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab and Sind Bank Moga Guru Nanak College branch” — the verified location pin for IFSC PSIB0000839 should appear at the top of the results.
2. Confirm the branch is open by calling 1636-225854 before stepping out, especially around public holidays.
3. 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 PSIB0000839 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PSIB0000839 for Punjab and Sind Bank – MOGA GURU NANAK COLLEGE, 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 Moga Guru Nanak College 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 PSIB0000839 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PSIB0000839 is the IFSC code of Punjab and Sind Bank, MOGA GURU NANAK COLLEGE branch, in MOGA, PUNJAB. 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.