This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab and Sind Bank, NAUGAWAN branch in NAUGAWAN. The 11-digit IFSC PSIB0021505 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Punjab and Sind Bank at the NAUGAWAN location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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 – NAUGAWAN is PSIB0021505. The first four letters PSIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 021505 map to this branch in NAUGAWAN, UTTAR PRADESH.
About Punjab and Sind Bank
Punjab and Sind Bank operates a wide network of branches across India, including the Naugawan branch in Naugawan. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, PSIB0021505.
About this branch
The branch is located at BO NAUGAWAN, VILL VISHALPUR, PO TRILOKPUR NAUGAWAN, DISTT LAKHIMPUR KHERI, UP-262902. It serves the Naugawan 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 PSIB0021505 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Punjab and Sind Bank |
|---|---|
| Branch | Naugawan |
| IFSC Code | PSIB0021505 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BO NAUGAWAN, VILL VISHALPUR, PO TRILOKPUR NAUGAWAN, DISTT LAKHIMPUR KHERI, UP-262902 |
| City | Naugawan |
| District | Lakhimpurkheri |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 8948671460 |
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 NAUGAWAN branch came to be assigned the code PSIB0021505.
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 PSIB0021505, money simply cannot be routed to the NAUGAWAN branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Naugawan branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PSIB0021505 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 PSIB0021505
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 PSIB0021505 across all three.
How to use IFSC PSIB0021505 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab and Sind Bank's NAUGAWAN 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 PSIB0021505.
- Confirm the bank name auto-populates as Punjab and Sind Bank and the branch as NAUGAWAN.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC PSIB0021505
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 – NAUGAWAN, ensure your bank's portal accepts IFSC PSIB0021505 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 – NAUGAWAN, use IMPS. With IFSC PSIB0021505 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PSIB0021505 for Punjab and Sind Bank – NAUGAWAN, 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 – PSIB0021505 | Yes – PSIB0021505 | Yes – PSIB0021505 |
For most retail customers crediting the Naugawan 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 PSIB0021505
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 – NAUGAWAN is still mapped to IFSC PSIB0021505. 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 PSIB0021505 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Naugawan branch is mapped to IFSC PSIB0021505 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 PSIB0021505.
Products and services
Customers walking into the Naugawan 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 PSIB0021505
Online banking and IFSC PSIB0021505
Punjab and Sind Bank customers can register for net banking and the bank's official mobile app once their account at the NAUGAWAN 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 PSIB0021505 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 Naugawan branch sits at BO NAUGAWAN, VILL VISHALPUR, PO TRILOKPUR NAUGAWAN, DISTT LAKHIMPUR KHERI, UP-262902. If you are travelling from outside Naugawan, search for the branch on a maps application using the bank name and locality, or call 91-8948671460 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 PSIB0021505 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 – NAUGAWAN:
- The IFSC is exactly PSIB0021505 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 NAUGAWAN 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.
Working hours
Branch counters at Naugawan 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 PSIB0021505 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC PSIB0021505 for Punjab and Sind Bank – NAUGAWAN, 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.
Branch address & contact
Punjab and Sind BankNaugawan Branch
BO NAUGAWAN, VILL VISHALPUR, PO TRILOKPUR NAUGAWAN, DISTT LAKHIMPUR KHERI, UP-262902
Naugawan, Uttar Pradesh
Phone: 91-8948671460
IFSC: PSIB0021505
Frequently asked questions
What is the phone number of Punjab and Sind Bank Naugawan branch?
You can reach the branch at 91-8948671460 during regular banking hours.
How do I add Punjab and Sind Bank Naugawan as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PSIB0021505, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using PSIB0021505 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab and Sind Bank – Naugawan reflect within 30 minutes.
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 Naugawan branch but serve different purposes.
Where is Punjab and Sind Bank Naugawan branch located?
Punjab and Sind Bank's Naugawan branch is located at BO NAUGAWAN, VILL VISHALPUR, PO TRILOKPUR NAUGAWAN, DISTT LAKHIMPUR KHERI, UP-262902, Naugawan, Uttar Pradesh.
Is IFSC PSIB0021505 valid for NEFT and RTGS?
Yes. IFSC PSIB0021505 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC PSIB0021505 the same for all accounts at Naugawan branch?
Yes. The IFSC PSIB0021505 is shared by every account held at Punjab and Sind Bank's Naugawan branch. Only the account number changes from customer to customer.
Final notes
To recap: PSIB0021505 is the IFSC code of Punjab and Sind Bank, NAUGAWAN branch, in NAUGAWAN, 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.
