IFSC Code of Punjab and Sind Bank, Vpo Talwandi Bhagerian P.O.Dosanjh Branch, Punjab

If you are searching for the IFSC code of Punjab and Sind Bank, VPO TALWANDI BHAGERIAN P.O.DOSANJH branch in MOGA, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is PSIB0020995. 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 VPO TALWANDI BHAGERIAN P.O.DOSANJH branch, and detailed step-by-step guides for using the IFSC PSIB0020995 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.

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 VPO TALWANDI BHAGERIAN P.O.DOSANJH branch, the IFSC PSIB0020995 breaks down as follows: PSIB identifies the bank, 0 is the reserved character, and 020995 identifies this particular branch.

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 Vpo Talwandi Bhagerian P.O.Dosanjh branch in Moga, Punjab is part of this network and uses the IFSC code PSIB0020995 for all electronic settlement.

About the Vpo Talwandi Bhagerian P.O.Dosanjh branch

The Vpo Talwandi Bhagerian P.O.Dosanjh branch of Punjab and Sind Bank is situated at VPO TALWANDI BHABERIAN NEAR VETENARY HOSPITAL P.O. DOSAN, DISTT. MOGA, PUNJAB -. 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 PSIB0020995 is used.

Branch details at a glance

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 VPO TALWANDI BHAGERIAN P.O.DOSANJH of Punjab and Sind Bank — its own 11-character IFSC. The code PSIB0020995 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 PSIB0020995 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 PSIB0020995 and the account number together uniquely identify the Vpo Talwandi Bhagerian P.O.Dosanjh branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC PSIB0020995

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 PSIB0020995 across all three.

How to use IFSC PSIB0020995 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab and Sind Bank's VPO TALWANDI BHAGERIAN P.O.DOSANJH 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 PSIB0020995.
4. Confirm the bank name auto-populates as Punjab and Sind Bank and the branch as VPO TALWANDI BHAGERIAN P.O.DOSANJH.
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 VPO TALWANDI BHAGERIAN P.O.DOSANJH

If you need to transfer ₹2 lakh or more in one go to an account at Punjab and Sind Bank's VPO TALWANDI BHAGERIAN P.O.DOSANJH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PSIB0020995 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab and Sind Bank VPO TALWANDI BHAGERIAN P.O.DOSANJH (IFSC PSIB0020995)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PSIB0020995 in your mobile or internet banking app, and the money is credited to the VPO TALWANDI BHAGERIAN P.O.DOSANJH branch account within seconds.

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

All three modes accept the IFSC PSIB0020995 for Punjab and Sind Bank – VPO TALWANDI BHAGERIAN P.O.DOSANJH, 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 Vpo Talwandi Bhagerian P.O.Dosanjh 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.

UPI payments and IFSC PSIB0020995

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 – VPO TALWANDI BHAGERIAN P.O.DOSANJH is still mapped to IFSC PSIB0020995. 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 PSIB0020995 and the beneficiary's account number to complete the transfer.

Account types you can open at the Vpo Talwandi Bhagerian P.O.Dosanjh branch

Once you have an account at Punjab and Sind Bank – VPO TALWANDI BHAGERIAN P.O.DOSANJH, the IFSC PSIB0020995 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 Vpo Talwandi Bhagerian P.O.Dosanjh branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1636-278009.

• 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 PSIB0020995

Online banking and IFSC PSIB0020995

Punjab and Sind Bank customers can register for net banking and the bank's official mobile app once their account at the VPO TALWANDI BHAGERIAN P.O.DOSANJH 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 PSIB0020995 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.

Reaching the branch

The Vpo Talwandi Bhagerian P.O.Dosanjh branch sits at VPO TALWANDI BHABERIAN NEAR VETENARY HOSPITAL P.O. DOSAN, DISTT. MOGA, PUNJAB -. If you are travelling from outside Moga, search for the branch on a maps application using the bank name and locality, or call 1636-278009 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 PSIB0020995 and your account number.

Common mistakes to avoid when using IFSC PSIB0020995

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 – VPO TALWANDI BHAGERIAN P.O.DOSANJH, 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: PSIB0020995.
• 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.

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 Vpo Talwandi Bhagerian P.O.Dosanjh branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PSIB0020995, however, work 24x7.

Verifying IFSC PSIB0020995 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 PSIB0020995 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1636-278009.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: PSIB0020995 is the IFSC code of Punjab and Sind Bank, VPO TALWANDI BHAGERIAN P.O.DOSANJH 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.