IFSC Code of Punjab and Sind Bank, Nawan Shahar Kirpal Sagar Academy Branch, Punjab

If you are searching for the IFSC code of Punjab and Sind Bank, NAWAN SHAHAR KIRPAL SAGAR ACADEMY branch in NAWANSHAHAR, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is PSIB0000859. 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 NAWAN SHAHAR KIRPAL SAGAR ACADEMY branch, and detailed step-by-step guides for using the IFSC PSIB0000859 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, PSIB0000859 is the IFSC of Punjab and Sind Bank's NAWAN SHAHAR KIRPAL SAGAR ACADEMY branch. The format is fixed: PSIB = bank code, 0 = reserved, 000859 = branch identifier.

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 Nawan Shahar Kirpal Sagar Academy branch in Nawanshahar, Punjab is part of this network and uses the IFSC code PSIB0000859 for all electronic settlement.

About this branch

The branch is located at KIRPAL SAGAR ACADEMY, DARIAPUR, DISTT. NAWANSHAHAR, PUNJAB - 144514. It serves the Nawanshahar 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 PSIB0000859 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 NAWAN SHAHAR KIRPAL SAGAR ACADEMY branch came to be assigned the code PSIB0000859.

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 PSIB0000859, money simply cannot be routed to the NAWAN SHAHAR KIRPAL SAGAR ACADEMY branch electronically.

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 PSIB0000859 and the account number together uniquely identify the Nawan Shahar Kirpal Sagar Academy branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC PSIB0000859

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 PSIB0000859 across all three.

NEFT to Punjab and Sind Bank, NAWAN SHAHAR KIRPAL SAGAR ACADEMY using IFSC PSIB0000859

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 PSIB0000859, and confirm that the system picks up Punjab and Sind Bank – NAWAN SHAHAR KIRPAL SAGAR ACADEMY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to NAWAN SHAHAR KIRPAL SAGAR ACADEMY

If you need to transfer ₹2 lakh or more in one go to an account at Punjab and Sind Bank's NAWAN SHAHAR KIRPAL SAGAR ACADEMY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PSIB0000859 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Punjab and Sind Bank – NAWAN SHAHAR KIRPAL SAGAR ACADEMY, use IMPS. With IFSC PSIB0000859 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 Nawan Shahar Kirpal Sagar Academy

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 PSIB0000859:

• 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 NAWAN SHAHAR KIRPAL SAGAR ACADEMY is still linked to IFSC PSIB0000859.

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 PSIB0000859

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 – NAWAN SHAHAR KIRPAL SAGAR ACADEMY is still mapped to IFSC PSIB0000859. 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 PSIB0000859 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Nawan Shahar Kirpal Sagar Academy branch is mapped to IFSC PSIB0000859 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 PSIB0000859.

Banking services available

The Nawan Shahar Kirpal Sagar Academy branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1823-502013.

• 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 PSIB0000859

Digital banking channels

Most day-to-day work that customers used to do at the Nawan Shahar Kirpal Sagar Academy branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC PSIB0000859 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Reaching the branch

The Nawan Shahar Kirpal Sagar Academy branch sits at KIRPAL SAGAR ACADEMY, DARIAPUR, DISTT. NAWANSHAHAR, PUNJAB - 144514. If you are travelling from outside Nawanshahar, search for the branch on a maps application using the bank name and locality, or call 1823-502013 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 PSIB0000859 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 – NAWAN SHAHAR KIRPAL SAGAR ACADEMY:

• The IFSC is exactly PSIB0000859 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 NAWAN SHAHAR KIRPAL SAGAR ACADEMY 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 Nawan Shahar Kirpal Sagar Academy 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 PSIB0000859 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PSIB0000859 for Punjab and Sind Bank – NAWAN SHAHAR KIRPAL SAGAR ACADEMY, 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

Frequently asked questions

Final notes

To recap: PSIB0000859 is the IFSC code of Punjab and Sind Bank, NAWAN SHAHAR KIRPAL SAGAR ACADEMY branch, in NAWANSHAHAR, 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.