If you are searching for the IFSC code of Punjab and Sind Bank, S P ROAD MORBI branch in MORBI, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is PSIB0021713. 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 S P ROAD MORBI branch, and detailed step-by-step guides for using the IFSC PSIB0021713 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, PSIB0021713 is the IFSC of Punjab and Sind Bank's S P ROAD MORBI branch. The format is fixed: PSIB = bank code, 0 = reserved, 021713 = branch identifier.
Bank profile
Punjab and Sind Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The S P Road Morbi branch — IFSC PSIB0021713 — extends the bank's services to customers in and around Morbi, Gujarat.
About this branch
The branch is located at PUNJAB & SIND BANK, SARDAR PATEL ARCADE, SHOP NO. 20,21,22,23, OPP RAMCO BUNGLOW, S P ROAD CORNER, MORBI,GUJARAT - 363641. It serves the Morbi 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 PSIB0021713 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Punjab and Sind Bank |
|---|---|
| Branch | S P Road Morbi |
| IFSC Code | PSIB0021713 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PUNJAB & SIND BANK, SARDAR PATEL ARCADE, SHOP NO. 20,21,22,23, OPP RAMCO BUNGLOW, S P ROAD CORNER, MORBI,GUJARAT - 363641 |
| City | Morbi |
| District | Morbi |
| State | Gujarat |
| STD Code | 2822 |
| Phone | 9727129399 |
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 S P ROAD MORBI of Punjab and Sind Bank — its own 11-character IFSC. The code PSIB0021713 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 PSIB0021713 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the S P Road Morbi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PSIB0021713 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC PSIB0021713
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 PSIB0021713 across all three.
How to use IFSC PSIB0021713 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab and Sind Bank's S P ROAD MORBI 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC PSIB0021713.
- Confirm the bank name auto-populates as Punjab and Sind Bank and the branch as S P ROAD MORBI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC PSIB0021713
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 – S P ROAD MORBI, ensure your bank's portal accepts IFSC PSIB0021713 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Punjab and Sind Bank – S P ROAD MORBI, use IMPS. With IFSC PSIB0021713 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to S P Road Morbi
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 PSIB0021713:
- 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 S P ROAD MORBI is still linked to IFSC PSIB0021713.
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 PSIB0021713
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 – S P ROAD MORBI is still mapped to IFSC PSIB0021713. 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 PSIB0021713 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the S P Road Morbi branch is mapped to IFSC PSIB0021713 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 PSIB0021713.
Products and services
Customers walking into the S P Road Morbi 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 PSIB0021713
Online banking and IFSC PSIB0021713
Punjab and Sind Bank customers can register for net banking and the bank's official mobile app once their account at the S P ROAD MORBI 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 PSIB0021713 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 S P Road Morbi branch
The branch is located at PUNJAB & SIND BANK, SARDAR PATEL ARCADE, SHOP NO. 20,21,22,23, OPP RAMCO BUNGLOW, S P ROAD CORNER, MORBI,GUJARAT - 363641, which puts it inside Morbi, the broader Morbi district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “Punjab and Sind Bank S P Road Morbi branch” — the verified location pin for IFSC PSIB0021713 should appear at the top of the results.
- Confirm the branch is open by calling 2822-9727129399 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 PSIB0021713 and your account number.
Common mistakes to avoid when using IFSC PSIB0021713
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 – S P ROAD MORBI, 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:
PSIB0021713. - 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 S P Road Morbi 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 PSIB0021713 continue to work without interruption.
Verifying IFSC PSIB0021713 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 PSIB0021713 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2822-9727129399.
- Visiting the bank's official branch locator page.
Branch address & contact
Punjab and Sind BankS P Road Morbi Branch
PUNJAB & SIND BANK, SARDAR PATEL ARCADE, SHOP NO. 20,21,22,23, OPP RAMCO BUNGLOW, S P ROAD CORNER, MORBI,GUJARAT - 363641
Morbi, Gujarat
Phone: 2822-9727129399
IFSC: PSIB0021713
Frequently asked questions
What is the phone number of Punjab and Sind Bank S P Road Morbi branch?
You can reach the branch at 2822-9727129399 during regular banking hours.
How do I add Punjab and Sind Bank S P Road Morbi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PSIB0021713, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC PSIB0021713 the same for all accounts at S P Road Morbi branch?
Yes. The IFSC PSIB0021713 is shared by every account held at Punjab and Sind Bank's S P Road Morbi branch. Only the account number changes from customer to customer.
Where is Punjab and Sind Bank S P Road Morbi branch located?
Punjab and Sind Bank's S P Road Morbi branch is located at PUNJAB & SIND BANK, SARDAR PATEL ARCADE, SHOP NO. 20,21,22,23, OPP RAMCO BUNGLOW, S P ROAD CORNER, MORBI,GUJARAT - 363641, Morbi, Gujarat.
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 S P Road Morbi branch but serve different purposes.
How quickly will an NEFT transfer using PSIB0021713 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab and Sind Bank – S P Road Morbi reflect within 30 minutes.
Can I use IFSC PSIB0021713 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PSIB0021713 to send funds instantly.
Is IFSC PSIB0021713 valid for NEFT and RTGS?
Yes. IFSC PSIB0021713 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: PSIB0021713 is the IFSC code of Punjab and Sind Bank, S P ROAD MORBI branch, in MORBI, GUJARAT. 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.
