If you are searching for the IFSC code of Punjab and Sind Bank, GAGGOBUA branch in TARN TARAN, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is PSIB0021273. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the GAGGOBUA branch, and detailed step-by-step guides for using the IFSC PSIB0021273 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 – GAGGOBUA is PSIB0021273. The first four letters PSIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 021273 map to this branch in TARN TARAN, PUNJAB.
Branch details at a glance
| Bank Name | Punjab and Sind Bank |
|---|---|
| Branch | Gaggobua |
| IFSC Code | PSIB0021273 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILLAGE GAGGOBUA OPPOSITE BUS ADDA DISTT TARN TARAN PUNJAB 143302 |
| City | Tarn Taran |
| District | Amritsar |
| State | Punjab |
| STD Code | 91 |
| Phone | 7009971377 |
About Punjab and Sind Bank
Punjab and Sind Bank operates a wide network of branches across India, including the Gaggobua branch in Tarn Taran. 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, PSIB0021273.
About this branch
The branch is located at VILLAGE GAGGOBUA OPPOSITE BUS ADDA DISTT TARN TARAN PUNJAB 143302. It serves the Tarn Taran 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 PSIB0021273 is used to identify this branch on the RBI payments network.
Why every Punjab and Sind Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including GAGGOBUA of Punjab and Sind Bank — its own 11-character IFSC. The code PSIB0021273 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC PSIB0021273 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC PSIB0021273
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 PSIB0021273 across all three.
How to use IFSC PSIB0021273 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab and Sind Bank's GAGGOBUA 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 PSIB0021273.
- Confirm the bank name auto-populates as Punjab and Sind Bank and the branch as GAGGOBUA.
- 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 GAGGOBUA
If you need to transfer ₹2 lakh or more in one go to an account at Punjab and Sind Bank's GAGGOBUA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PSIB0021273 while initiating the transfer and the credit will appear within minutes.
IMPS to Punjab and Sind Bank GAGGOBUA (IFSC PSIB0021273)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PSIB0021273 in your mobile or internet banking app, and the money is credited to the GAGGOBUA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PSIB0021273 for Punjab and Sind Bank – GAGGOBUA, 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 – PSIB0021273 | Yes – PSIB0021273 | Yes – PSIB0021273 |
For most retail customers crediting the Gaggobua 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 GAGGOBUA branch, the IFSC PSIB0021273 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 Gaggobua branch is mapped to IFSC PSIB0021273 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 PSIB0021273.
Products and services
Customers walking into the Gaggobua 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 PSIB0021273
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 PSIB0021273 and the account number together uniquely identify the Gaggobua 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 Gaggobua 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 PSIB0021273 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 – GAGGOBUA:
- The IFSC is exactly PSIB0021273 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 GAGGOBUA 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 Gaggobua branch sits at VILLAGE GAGGOBUA OPPOSITE BUS ADDA DISTT TARN TARAN PUNJAB 143302. If you are travelling from outside Tarn Taran, search for the branch on a maps application using the bank name and locality, or call 91-7009971377 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 PSIB0021273 and your account number.
Verifying IFSC PSIB0021273 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 PSIB0021273 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-7009971377.
- Visiting the bank's official branch locator page.
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 Gaggobua branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PSIB0021273, however, work 24x7.
Branch address & contact
Punjab and Sind BankGaggobua Branch
VILLAGE GAGGOBUA OPPOSITE BUS ADDA DISTT TARN TARAN PUNJAB 143302
Tarn Taran, Punjab
Phone: 91-7009971377
IFSC: PSIB0021273
Frequently asked questions
How do I add Punjab and Sind Bank Gaggobua as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PSIB0021273, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Punjab and Sind Bank Gaggobua branch?
You can reach the branch at 91-7009971377 during regular banking hours.
Does Punjab and Sind Bank Gaggobua branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-7009971377 to confirm.
Can I use IFSC PSIB0021273 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PSIB0021273 to send funds instantly.
Is IFSC PSIB0021273 the same for all accounts at Gaggobua branch?
Yes. The IFSC PSIB0021273 is shared by every account held at Punjab and Sind Bank's Gaggobua branch. Only the account number changes from customer to customer.
What is the IFSC code of Punjab and Sind Bank Gaggobua branch?
The IFSC code of Punjab and Sind Bank, Gaggobua branch is PSIB0021273. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC PSIB0021273 valid for NEFT and RTGS?
Yes. IFSC PSIB0021273 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Punjab and Sind Bank Gaggobua branch located?
Punjab and Sind Bank's Gaggobua branch is located at VILLAGE GAGGOBUA OPPOSITE BUS ADDA DISTT TARN TARAN PUNJAB 143302, Tarn Taran, Punjab.
Summary
The IFSC code PSIB0021273 belongs to Punjab and Sind Bank's GAGGOBUA branch, located at VILLAGE GAGGOBUA OPPOSITE BUS ADDA DISTT TARN TARAN PUNJAB 143302 in TARN TARAN, 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.
