Below are the complete branch details for Punjab and Sind Bank, PANAJI GOA branch, located in PANAJI, GOA. The IFSC assigned by the Reserve Bank of India to this branch is PSIB0000668. 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 PSIB0000668 for Punjab and Sind Bank – PANAJI GOA — 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, PSIB0000668 is the IFSC of Punjab and Sind Bank's PANAJI GOA branch. The format is fixed: PSIB = bank code, 0 = reserved, 000668 = branch identifier.
Branch details at a glance
| Bank Name | Punjab and Sind Bank |
|---|---|
| Branch | Panaji Goa |
| IFSC Code | PSIB0000668 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ACQUARIUS APARTMENT SWAMI VIVEKANAND MARG PANAJI GOA 403001 |
| City | Panaji |
| District | North Goa |
| State | Goa |
| STD Code | 832 |
| Phone | 2432201 |
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 Panaji Goa branch in Panaji, Goa is part of this network and uses the IFSC code PSIB0000668 for all electronic settlement.
About the Panaji Goa branch
The Panaji Goa branch of Punjab and Sind Bank is situated at ACQUARIUS APARTMENT SWAMI VIVEKANAND MARG PANAJI GOA 403001. 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 PSIB0000668 is used.
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 PANAJI GOA branch came to be assigned the code PSIB0000668.
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 PSIB0000668, money simply cannot be routed to the PANAJI GOA branch electronically.
How to transfer money using IFSC PSIB0000668
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 PSIB0000668 across all three.
NEFT to Punjab and Sind Bank, PANAJI GOA using IFSC PSIB0000668
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 PSIB0000668, and confirm that the system picks up Punjab and Sind Bank – PANAJI GOA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to PANAJI GOA
If you need to transfer ₹2 lakh or more in one go to an account at Punjab and Sind Bank's PANAJI GOA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PSIB0000668 while initiating the transfer and the credit will appear within minutes.
IMPS to Punjab and Sind Bank PANAJI GOA (IFSC PSIB0000668)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PSIB0000668 in your mobile or internet banking app, and the money is credited to the PANAJI GOA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Panaji Goa
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 PSIB0000668:
- 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 PANAJI GOA is still linked to IFSC PSIB0000668.
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 PSIB0000668
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 – PANAJI GOA is still mapped to IFSC PSIB0000668. 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 PSIB0000668 and the beneficiary's account number to complete the transfer.
Account types you can open at the Panaji Goa branch
Once you have an account at Punjab and Sind Bank – PANAJI GOA, the IFSC PSIB0000668 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 Panaji Goa branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 832-2432201.
- 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 PSIB0000668
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 PSIB0000668 and the account number together uniquely identify the Panaji Goa branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC PSIB0000668
Punjab and Sind Bank customers can register for net banking and the bank's official mobile app once their account at the PANAJI GOA 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 PSIB0000668 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 – PANAJI GOA:
- The IFSC is exactly PSIB0000668 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 PANAJI GOA 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.
Reaching the branch
The Panaji Goa branch sits at ACQUARIUS APARTMENT SWAMI VIVEKANAND MARG PANAJI GOA 403001. If you are travelling from outside Panaji, search for the branch on a maps application using the bank name and locality, or call 832-2432201 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 PSIB0000668 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC PSIB0000668 for Punjab and Sind Bank – PANAJI GOA, 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.
Working hours
Branch counters at Panaji Goa 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 PSIB0000668 continue to work without interruption.
Branch address & contact
Punjab and Sind BankPanaji Goa Branch
ACQUARIUS APARTMENT SWAMI VIVEKANAND MARG PANAJI GOA 403001
Panaji, Goa
Phone: 832-2432201
IFSC: PSIB0000668
Frequently asked questions
Is IFSC PSIB0000668 valid for NEFT and RTGS?
Yes. IFSC PSIB0000668 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using PSIB0000668 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab and Sind Bank – Panaji Goa reflect within 30 minutes.
Does Punjab and Sind Bank Panaji Goa branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 832-2432201 to confirm.
Is IFSC PSIB0000668 the same for all accounts at Panaji Goa branch?
Yes. The IFSC PSIB0000668 is shared by every account held at Punjab and Sind Bank's Panaji Goa branch. Only the account number changes from customer to customer.
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 Panaji Goa branch but serve different purposes.
What is the phone number of Punjab and Sind Bank Panaji Goa branch?
You can reach the branch at 832-2432201 during regular banking hours.
Summary
The IFSC code PSIB0000668 belongs to Punjab and Sind Bank's PANAJI GOA branch, located at ACQUARIUS APARTMENT SWAMI VIVEKANAND MARG PANAJI GOA 403001 in PANAJI, GOA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
