IFSC Code of Punjab and Sind Bank, Y S R Kadapa Branch, Andhra Pradesh

Use this page as a one-stop reference for everything related to Punjab and Sind Bank's Y S R KADAPA branch in Y S R KADAPA, ANDHRA PRADESH. The branch's IFSC code PSIB0021649 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 Y S R KADAPA branch, the IFSC PSIB0021649 breaks down as follows: PSIB identifies the bank, 0 is the reserved character, and 021649 identifies this particular branch.

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 Y S R Kadapa branch in Y S R Kadapa, Andhra Pradesh is part of this network and uses the IFSC code PSIB0021649 for all electronic settlement.

Branch details at a glance

Y S R Kadapa branch overview

Located at NEW DOOR BO 1 2770 SURVEY NO 108 1 HOUSING BOARD OLD DOOR NO 1309 MIG KADAPA MUNICIAL CORPORATION KADAPA ANDHRA PRADESH, the Y S R Kadapa branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PSIB0021649 is required for all interbank electronic transfers routed through this branch.

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 Y S R KADAPA of Punjab and Sind Bank — its own 11-character IFSC. The code PSIB0021649 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 PSIB0021649 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Y S R Kadapa branch is mapped to IFSC PSIB0021649 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 PSIB0021649.

Products and services

Customers walking into the Y S R Kadapa 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 PSIB0021649

How to transfer money using IFSC PSIB0021649

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 PSIB0021649 across all three.

How to use IFSC PSIB0021649 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab and Sind Bank's Y S R KADAPA 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 PSIB0021649.
4. Confirm the bank name auto-populates as Punjab and Sind Bank and the branch as Y S R KADAPA.
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 PSIB0021649

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 – Y S R KADAPA, ensure your bank's portal accepts IFSC PSIB0021649 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab and Sind Bank Y S R KADAPA (IFSC PSIB0021649)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PSIB0021649 in your mobile or internet banking app, and the money is credited to the Y S R KADAPA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC PSIB0021649 for Punjab and Sind Bank – Y S R KADAPA, 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.

For most retail customers crediting the Y S R Kadapa 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 Y S R KADAPA branch, the IFSC PSIB0021649 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.

Online banking and IFSC PSIB0021649

Punjab and Sind Bank customers can register for net banking and the bank's official mobile app once their account at the Y S R KADAPA 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 PSIB0021649 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.

MICR & cheque-truncation details

Cheques drawn on the Y S R Kadapa branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PSIB0021649 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – Y S R KADAPA:

• The IFSC is exactly PSIB0021649 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 Y S R KADAPA 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 Y S R Kadapa branch sits at NEW DOOR BO 1 2770 SURVEY NO 108 1 HOUSING BOARD OLD DOOR NO 1309 MIG KADAPA MUNICIAL CORPORATION KADAPA ANDHRA PRADESH. If you are travelling from outside Y S R Kadapa, search for the branch on a maps application using the bank name and locality, or call 8562-9966588413 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 PSIB0021649 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PSIB0021649 for Punjab and Sind Bank – Y S R KADAPA, 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.

Working hours

Branch counters at Y S R Kadapa 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 PSIB0021649 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PSIB0021649 belongs to Punjab and Sind Bank's Y S R KADAPA branch, located at NEW DOOR BO 1 2770 SURVEY NO 108 1 HOUSING BOARD OLD DOOR NO 1309 MIG KADAPA… in Y S R KADAPA, ANDHRA PRADESH. 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.