IFSC Code of Punjab and Sind Bank, Takhatgarh Branch, Punjab

Below are the complete branch details for Punjab and Sind Bank, TAKHATGARH branch, located in TAKHAT GARH, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is PSIB0000199. 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 PSIB0000199 for Punjab and Sind Bank – TAKHATGARH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 TAKHATGARH branch, the IFSC PSIB0000199 breaks down as follows: PSIB identifies the bank, 0 is the reserved character, and 000199 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 Takhatgarh branch in Takhat Garh, Punjab is part of this network and uses the IFSC code PSIB0000199 for all electronic settlement.

Takhatgarh branch overview

Located at TAKHATGARH, DISTT. RUPNAGAR(RUPAR), PUNJAB - 140117, the Takhatgarh branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PSIB0000199 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 TAKHATGARH branch came to be assigned the code PSIB0000199.

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 PSIB0000199, money simply cannot be routed to the TAKHATGARH branch electronically.

How to transfer money using IFSC PSIB0000199

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 PSIB0000199 across all three.

NEFT to Punjab and Sind Bank, TAKHATGARH using IFSC PSIB0000199

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 PSIB0000199, and confirm that the system picks up Punjab and Sind Bank – TAKHATGARH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to TAKHATGARH

If you need to transfer ₹2 lakh or more in one go to an account at Punjab and Sind Bank's TAKHATGARH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PSIB0000199 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab and Sind Bank TAKHATGARH (IFSC PSIB0000199)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PSIB0000199 in your mobile or internet banking app, and the money is credited to the TAKHATGARH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Takhatgarh

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 PSIB0000199:

• 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 TAKHATGARH is still linked to IFSC PSIB0000199.

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 TAKHATGARH branch, the IFSC PSIB0000199 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 Takhatgarh branch

Once you have an account at Punjab and Sind Bank – TAKHATGARH, the IFSC PSIB0000199 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.

Products and services

Customers walking into the Takhatgarh 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 PSIB0000199

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 PSIB0000199 and the account number together uniquely identify the Takhatgarh branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC PSIB0000199

Punjab and Sind Bank customers can register for net banking and the bank's official mobile app once their account at the TAKHATGARH 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 PSIB0000199 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.

Common mistakes to avoid when using IFSC PSIB0000199

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 – TAKHATGARH, 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: PSIB0000199.
• 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 Takhatgarh branch

The branch is located at TAKHATGARH, DISTT. RUPNAGAR(RUPAR), PUNJAB - 140117, which puts it inside Takhat Garh, 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 Takhatgarh branch” — the verified location pin for IFSC PSIB0000199 should appear at the top of the results.
2. Confirm the branch is open by calling 1887-245224 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 PSIB0000199 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PSIB0000199 for Punjab and Sind Bank – TAKHATGARH, 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 Takhatgarh branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PSIB0000199, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PSIB0000199 belongs to Punjab and Sind Bank's TAKHATGARH branch, located at TAKHATGARH, DISTT. RUPNAGAR(RUPAR), PUNJAB - 140117 in TAKHAT GARH, PUNJAB. 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.