IFSC Code of Punjab and Sind Bank, Financial Inclusion Cell Branch, Delhi

Below are the complete branch details for Punjab and Sind Bank, FINANCIAL INCLUSION CELL branch, located in NEW DELHI, DELHI. The IFSC assigned by the Reserve Bank of India to this branch is PSIB0009030. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case PSIB0009030 for Punjab and Sind Bank – FINANCIAL INCLUSION CELL — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, PSIB0009030 is the IFSC of Punjab and Sind Bank's FINANCIAL INCLUSION CELL branch. The format is fixed: PSIB = bank code, 0 = reserved, 009030 = branch identifier.

Branch details at a glance

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 Financial Inclusion Cell branch in New Delhi, Delhi is part of this network and uses the IFSC code PSIB0009030 for all electronic settlement.

Financial Inclusion Cell branch overview

Located at GROUND FLOOR NBCC OFFICE COMPLEX BLOCK 3 PLATE B NEW DELHI, the Financial Inclusion Cell branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PSIB0009030 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 FINANCIAL INCLUSION CELL of Punjab and Sind Bank — its own 11-character IFSC. The code PSIB0009030 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 PSIB0009030 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 PSIB0009030

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 PSIB0009030 across all three.

How to use IFSC PSIB0009030 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab and Sind Bank's FINANCIAL INCLUSION CELL 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 PSIB0009030.
4. Confirm the bank name auto-populates as Punjab and Sind Bank and the branch as FINANCIAL INCLUSION CELL.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC PSIB0009030

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 – FINANCIAL INCLUSION CELL, ensure your bank's portal accepts IFSC PSIB0009030 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab and Sind Bank FINANCIAL INCLUSION CELL (IFSC PSIB0009030)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PSIB0009030 in your mobile or internet banking app, and the money is credited to the FINANCIAL INCLUSION CELL branch account within seconds.

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

All three modes accept the IFSC PSIB0009030 for Punjab and Sind Bank – FINANCIAL INCLUSION CELL, 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 Financial Inclusion Cell 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 PSIB0009030

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 – FINANCIAL INCLUSION CELL is still mapped to IFSC PSIB0009030. 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 PSIB0009030 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Financial Inclusion Cell branch is mapped to IFSC PSIB0009030 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 PSIB0009030.

Banking services available

The Financial Inclusion Cell branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 11-9357596536.

• 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 PSIB0009030

MICR & cheque-truncation details

Cheques drawn on the Financial Inclusion Cell branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PSIB0009030 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC PSIB0009030

Punjab and Sind Bank customers can register for net banking and the bank's official mobile app once their account at the FINANCIAL INCLUSION CELL 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 PSIB0009030 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.

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 – FINANCIAL INCLUSION CELL:

• The IFSC is exactly PSIB0009030 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 FINANCIAL INCLUSION CELL 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.

How to reach the Financial Inclusion Cell branch

The branch is located at GROUND FLOOR NBCC OFFICE COMPLEX BLOCK 3 PLATE B NEW DELHI, which puts it inside New Delhi, the broader New Delhi district, and the state of Delhi. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab and Sind Bank Financial Inclusion Cell branch” — the verified location pin for IFSC PSIB0009030 should appear at the top of the results.
2. Confirm the branch is open by calling 11-9357596536 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 PSIB0009030 and your account number.

Verifying IFSC PSIB0009030 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 PSIB0009030 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 11-9357596536.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Financial Inclusion Cell 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 PSIB0009030 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PSIB0009030 is the IFSC code of Punjab and Sind Bank, FINANCIAL INCLUSION CELL branch, in NEW DELHI, DELHI. 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.