IFSC Code of Punjab and Sind Bank, Sainik Rest House Rupnagar Branch, Punjab

Below are the complete branch details for Punjab and Sind Bank, SAINIK REST HOUSE RUPNAGAR branch, located in RUPNAGAR, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is PSIB0000855. 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 PSIB0000855 for Punjab and Sind Bank – SAINIK REST HOUSE RUPNAGAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – SAINIK REST HOUSE RUPNAGAR is PSIB0000855. The first four letters PSIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000855 map to this branch in RUPNAGAR, PUNJAB.

Branch details at a glance

Bank profile

Punjab and Sind Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Sainik Rest House Rupnagar branch — IFSC PSIB0000855 — extends the bank's services to customers in and around Rupnagar, Punjab.

Sainik Rest House Rupnagar branch overview

Located at SAINIK REST HOUSE RUPNAGAR PUNJAB 140001, the Sainik Rest House Rupnagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PSIB0000855 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 SAINIK REST HOUSE RUPNAGAR branch came to be assigned the code PSIB0000855.

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 PSIB0000855, money simply cannot be routed to the SAINIK REST HOUSE RUPNAGAR branch electronically.

How to transfer money using IFSC PSIB0000855

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 PSIB0000855 across all three.

How to use IFSC PSIB0000855 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab and Sind Bank's SAINIK REST HOUSE RUPNAGAR 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 PSIB0000855.
4. Confirm the bank name auto-populates as Punjab and Sind Bank and the branch as SAINIK REST HOUSE RUPNAGAR.
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 PSIB0000855

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 – SAINIK REST HOUSE RUPNAGAR, ensure your bank's portal accepts IFSC PSIB0000855 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab and Sind Bank SAINIK REST HOUSE RUPNAGAR (IFSC PSIB0000855)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PSIB0000855 in your mobile or internet banking app, and the money is credited to the SAINIK REST HOUSE RUPNAGAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Sainik Rest House Rupnagar

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 PSIB0000855:

• 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 SAINIK REST HOUSE RUPNAGAR is still linked to IFSC PSIB0000855.

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 SAINIK REST HOUSE RUPNAGAR branch, the IFSC PSIB0000855 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.

Account types you can open at the Sainik Rest House Rupnagar branch

Once you have an account at Punjab and Sind Bank – SAINIK REST HOUSE RUPNAGAR, the IFSC PSIB0000855 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 Sainik Rest House Rupnagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1881-500691.

• 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 PSIB0000855

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 PSIB0000855 and the account number together uniquely identify the Sainik Rest House Rupnagar 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 Sainik Rest House Rupnagar 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 PSIB0000855 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.

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 – SAINIK REST HOUSE RUPNAGAR:

• The IFSC is exactly PSIB0000855 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 SAINIK REST HOUSE RUPNAGAR 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 Sainik Rest House Rupnagar branch

The branch is located at SAINIK REST HOUSE RUPNAGAR PUNJAB 140001, which puts it inside Rupnagar, the broader Rupnagar district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab and Sind Bank Sainik Rest House Rupnagar branch” — the verified location pin for IFSC PSIB0000855 should appear at the top of the results.
2. Confirm the branch is open by calling 1881-500691 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 PSIB0000855 and your account number.

Verifying IFSC PSIB0000855 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 PSIB0000855 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1881-500691.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Sainik Rest House Rupnagar 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 PSIB0000855 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PSIB0000855 is the IFSC code of Punjab and Sind Bank, SAINIK REST HOUSE RUPNAGAR branch, in RUPNAGAR, 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.