This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab and Sind Bank, SIVASAGAR branch in SIVASAGAR. The 11-digit IFSC PSIB0021676 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Punjab and Sind Bank at the SIVASAGAR location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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 – SIVASAGAR is PSIB0021676. The first four letters PSIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 021676 map to this branch in SIVASAGAR, ASSAM.
Branch details at a glance
| Bank Name | Punjab and Sind Bank |
|---|---|
| Branch | Sivasagar |
| IFSC Code | PSIB0021676 |
| MICR Code | Refer to cheque leaf |
| Branch Address | L.K.B ROAD WARD NO 7, SIVASAGAR TOWN,PO/PS SIVASAGAR, PIN 785640 |
| City | Sivasagar |
| District | Sivasagar |
| State | Assam |
| STD Code | 3772 |
| Phone | 8638098972 |
About Punjab and Sind Bank
Punjab and Sind Bank operates a wide network of branches across India, including the Sivasagar branch in Sivasagar. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, PSIB0021676.
About the Sivasagar branch
The Sivasagar branch of Punjab and Sind Bank is situated at L.K.B ROAD WARD NO 7, SIVASAGAR TOWN,PO/PS SIVASAGAR, PIN 785640. 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 PSIB0021676 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 SIVASAGAR branch came to be assigned the code PSIB0021676.
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 PSIB0021676, money simply cannot be routed to the SIVASAGAR branch electronically.
How to transfer money using IFSC PSIB0021676
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 PSIB0021676 across all three.
NEFT to Punjab and Sind Bank, SIVASAGAR using IFSC PSIB0021676
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 PSIB0021676, and confirm that the system picks up Punjab and Sind Bank – SIVASAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to SIVASAGAR
If you need to transfer ₹2 lakh or more in one go to an account at Punjab and Sind Bank's SIVASAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PSIB0021676 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 – SIVASAGAR, use IMPS. With IFSC PSIB0021676 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PSIB0021676 for Punjab and Sind Bank – SIVASAGAR, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – PSIB0021676 | Yes – PSIB0021676 | Yes – PSIB0021676 |
For most retail customers crediting the Sivasagar 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.
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 SIVASAGAR branch, the IFSC PSIB0021676 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 Sivasagar branch is mapped to IFSC PSIB0021676 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 PSIB0021676.
Banking services available
The Sivasagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 3772-8638098972.
- 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 PSIB0021676
MICR & cheque-truncation details
Cheques drawn on the Sivasagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PSIB0021676 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC PSIB0021676
Punjab and Sind Bank customers can register for net banking and the bank's official mobile app once their account at the SIVASAGAR 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 PSIB0021676 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 – SIVASAGAR:
- The IFSC is exactly PSIB0021676 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 SIVASAGAR 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 Sivasagar branch sits at L.K.B ROAD WARD NO 7, SIVASAGAR TOWN,PO/PS SIVASAGAR, PIN 785640. If you are travelling from outside Sivasagar, search for the branch on a maps application using the bank name and locality, or call 3772-8638098972 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 PSIB0021676 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC PSIB0021676 for Punjab and Sind Bank – SIVASAGAR, 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.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Sivasagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PSIB0021676, however, work 24x7.
Branch address & contact
Punjab and Sind BankSivasagar Branch
L.K.B ROAD WARD NO 7, SIVASAGAR TOWN,PO/PS SIVASAGAR, PIN 785640
Sivasagar, Assam
Phone: 3772-8638098972
IFSC: PSIB0021676
Frequently asked questions
Can I use IFSC PSIB0021676 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PSIB0021676 to send funds instantly.
What is the IFSC code of Punjab and Sind Bank Sivasagar branch?
The IFSC code of Punjab and Sind Bank, Sivasagar branch is PSIB0021676. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC PSIB0021676 the same for all accounts at Sivasagar branch?
Yes. The IFSC PSIB0021676 is shared by every account held at Punjab and Sind Bank's Sivasagar branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using PSIB0021676 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab and Sind Bank – Sivasagar reflect within 30 minutes.
Does Punjab and Sind Bank Sivasagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 3772-8638098972 to confirm.
Is IFSC PSIB0021676 valid for NEFT and RTGS?
Yes. IFSC PSIB0021676 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Punjab and Sind Bank Sivasagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PSIB0021676, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: PSIB0021676 is the IFSC code of Punjab and Sind Bank, SIVASAGAR branch, in SIVASAGAR, ASSAM. 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.
