Below are the complete branch details for Punjab and Sind Bank, SHERPUR KHADAR branch, located in SHERPUR, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is PSIB0000488. 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 PSIB0000488 for Punjab and Sind Bank – SHERPUR KHADAR — 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, PSIB0000488 is the IFSC of Punjab and Sind Bank's SHERPUR KHADAR branch. The format is fixed: PSIB = bank code, 0 = reserved, 000488 = 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 Sherpur Khadar branch in Sherpur, Uttar Pradesh is part of this network and uses the IFSC code PSIB0000488 for all electronic settlement.
About this branch
The branch is located at SHERPUR KHADAR TEH,PURKAZI, DISTT. MUZAFFARNAGAR, UTTAR PRADESH - 251317. It serves the Sherpur 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 PSIB0000488 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Punjab and Sind Bank |
|---|---|
| Branch | Sherpur Khadar |
| IFSC Code | PSIB0000488 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHERPUR KHADAR TEH,PURKAZI, DISTT. MUZAFFARNAGAR, UTTAR PRADESH - 251317 |
| City | Sherpur |
| District | Muzaffarnagar |
| State | Uttar Pradesh |
| STD Code | 131 |
| Phone | 2490200 |
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 SHERPUR KHADAR branch came to be assigned the code PSIB0000488.
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 PSIB0000488, money simply cannot be routed to the SHERPUR KHADAR branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Sherpur Khadar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PSIB0000488 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC PSIB0000488
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 PSIB0000488 across all three.
How to use IFSC PSIB0000488 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab and Sind Bank's SHERPUR KHADAR 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC PSIB0000488.
- Confirm the bank name auto-populates as Punjab and Sind Bank and the branch as SHERPUR KHADAR.
- 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 SHERPUR KHADAR
If you need to transfer ₹2 lakh or more in one go to an account at Punjab and Sind Bank's SHERPUR KHADAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PSIB0000488 while initiating the transfer and the credit will appear within minutes.
IMPS to Punjab and Sind Bank SHERPUR KHADAR (IFSC PSIB0000488)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PSIB0000488 in your mobile or internet banking app, and the money is credited to the SHERPUR KHADAR branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Sherpur Khadar
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 PSIB0000488:
- 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 SHERPUR KHADAR is still linked to IFSC PSIB0000488.
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 PSIB0000488
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 – SHERPUR KHADAR is still mapped to IFSC PSIB0000488. 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 PSIB0000488 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Sherpur Khadar branch is mapped to IFSC PSIB0000488 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 PSIB0000488.
Products and services
Customers walking into the Sherpur Khadar branch can access most of Punjab and Sind Bank's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC PSIB0000488
Online banking and IFSC PSIB0000488
Punjab and Sind Bank customers can register for net banking and the bank's official mobile app once their account at the SHERPUR KHADAR 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 PSIB0000488 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.
Reaching the branch
The Sherpur Khadar branch sits at SHERPUR KHADAR TEH,PURKAZI, DISTT. MUZAFFARNAGAR, UTTAR PRADESH - 251317. If you are travelling from outside Sherpur, search for the branch on a maps application using the bank name and locality, or call 131-2490200 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 PSIB0000488 and your account number.
Common mistakes to avoid when using IFSC PSIB0000488
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 – SHERPUR KHADAR, 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:
PSIB0000488. - 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.
Working hours
Branch counters at Sherpur Khadar 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 PSIB0000488 continue to work without interruption.
Verifying IFSC PSIB0000488 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 PSIB0000488 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 131-2490200.
- Visiting the bank's official branch locator page.
Branch address & contact
Punjab and Sind BankSherpur Khadar Branch
SHERPUR KHADAR TEH,PURKAZI, DISTT. MUZAFFARNAGAR, UTTAR PRADESH - 251317
Sherpur, Uttar Pradesh
Phone: 131-2490200
IFSC: PSIB0000488
Frequently asked questions
How do I add Punjab and Sind Bank Sherpur Khadar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PSIB0000488, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC PSIB0000488 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PSIB0000488 to send funds instantly.
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 Sherpur Khadar branch but serve different purposes.
How quickly will an NEFT transfer using PSIB0000488 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab and Sind Bank – Sherpur Khadar reflect within 30 minutes.
Is IFSC PSIB0000488 the same for all accounts at Sherpur Khadar branch?
Yes. The IFSC PSIB0000488 is shared by every account held at Punjab and Sind Bank's Sherpur Khadar branch. Only the account number changes from customer to customer.
Where is Punjab and Sind Bank Sherpur Khadar branch located?
Punjab and Sind Bank's Sherpur Khadar branch is located at SHERPUR KHADAR TEH,PURKAZI, DISTT. MUZAFFARNAGAR, UTTAR PRADESH - 251317, Sherpur, Uttar Pradesh.
Final notes
To recap: PSIB0000488 is the IFSC code of Punjab and Sind Bank, SHERPUR KHADAR branch, in SHERPUR, UTTAR PRADESH. 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.
