IFSC Code of Punjab and Sind Bank, Pondicherry Branch, Puducherry

Use this page as a one-stop reference for everything related to Punjab and Sind Bank's PONDICHERRY branch in PONDICHERRY, PUDUCHERRY. The branch's IFSC code PSIB0021184 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Punjab and Sind Bank's PONDICHERRY branch, the IFSC PSIB0021184 breaks down as follows: PSIB identifies the bank, 0 is the reserved character, and 021184 identifies this particular branch.

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 Pondicherry branch in Pondicherry, Puducherry is part of this network and uses the IFSC code PSIB0021184 for all electronic settlement.

Pondicherry branch overview

Located at GROUND FLOOR NO 66 ANNA SALAIPONDICHERRY 605001, the Pondicherry branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PSIB0021184 is required for all interbank electronic transfers routed through this branch.

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 PONDICHERRY branch came to be assigned the code PSIB0021184.

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 PSIB0021184, money simply cannot be routed to the PONDICHERRY branch electronically.

How to transfer money using IFSC PSIB0021184

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 PSIB0021184 across all three.

How to use IFSC PSIB0021184 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab and Sind Bank's PONDICHERRY 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 PSIB0021184.
4. Confirm the bank name auto-populates as Punjab and Sind Bank and the branch as PONDICHERRY.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to PONDICHERRY

If you need to transfer ₹2 lakh or more in one go to an account at Punjab and Sind Bank's PONDICHERRY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PSIB0021184 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 – PONDICHERRY, use IMPS. With IFSC PSIB0021184 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 Pondicherry

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 PSIB0021184:

• 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 PONDICHERRY is still linked to IFSC PSIB0021184.

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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Punjab and Sind Bank's PONDICHERRY branch, the IFSC PSIB0021184 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the Pondicherry branch is mapped to IFSC PSIB0021184 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 PSIB0021184.

Banking services available

The Pondicherry branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9003111193.

• 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 PSIB0021184

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 PSIB0021184 and the account number together uniquely identify the Pondicherry branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Pondicherry 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 PSIB0021184 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.

Common mistakes to avoid when using IFSC PSIB0021184

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 – PONDICHERRY, 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: PSIB0021184.
• 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.

How to reach the Pondicherry branch

The branch is located at GROUND FLOOR NO 66 ANNA SALAIPONDICHERRY 605001, which puts it inside Pondicherry, the broader Pondicherry district, and the state of Puducherry. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab and Sind Bank Pondicherry branch” — the verified location pin for IFSC PSIB0021184 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9003111193 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 PSIB0021184 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PSIB0021184 for Punjab and Sind Bank – PONDICHERRY, 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 Pondicherry 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 PSIB0021184 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PSIB0021184 is the IFSC code of Punjab and Sind Bank, PONDICHERRY branch, in PONDICHERRY, PUDUCHERRY. 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.