IFSC Code of The Punjab State Cooperative Bank Ltd, Branch Office Thirty-Eight Branch, Punjab

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Punjab State Cooperative Bank Ltd, BRANCH OFFICE THIRTY-EIGHT branch in CHANDIGARH. The 11-digit IFSC TPSC0000013 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 The Punjab State Cooperative Bank Ltd at the BRANCH OFFICE THIRTY-EIGHT 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.

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, TPSC0000013 is the IFSC of The Punjab State Cooperative Bank Ltd's BRANCH OFFICE THIRTY-EIGHT branch. The format is fixed: TPSC = bank code, 0 = reserved, 000013 = branch identifier.

Branch details at a glance

About the bank

The Punjab State Cooperative Bank Ltd serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Branch Office Thirty-Eight branch in Chandigarh, Punjab is part of this network and uses the IFSC code TPSC0000013 for all electronic settlement.

About this branch

The branch is located at SCO.84, SECTOR.38-C. It serves the Chandigarh region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Punjab State Cooperative Bank Ltd. The IFSC TPSC0000013 is used to identify this branch on the RBI payments network.

Why every The Punjab State Cooperative Bank Ltd 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 BRANCH OFFICE THIRTY-EIGHT of The Punjab State Cooperative Bank Ltd — its own 11-character IFSC. The code TPSC0000013 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 TPSC0000013 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 TPSC0000013

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 TPSC0000013 across all three.

NEFT to The Punjab State Cooperative Bank Ltd, BRANCH OFFICE THIRTY-EIGHT using IFSC TPSC0000013

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 TPSC0000013, and confirm that the system picks up The Punjab State Cooperative Bank Ltd – BRANCH OFFICE THIRTY-EIGHT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC TPSC0000013

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 The Punjab State Cooperative Bank Ltd – BRANCH OFFICE THIRTY-EIGHT, ensure your bank's portal accepts IFSC TPSC0000013 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Punjab State Cooperative Bank Ltd BRANCH OFFICE THIRTY-EIGHT (IFSC TPSC0000013)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC TPSC0000013 in your mobile or internet banking app, and the money is credited to the BRANCH OFFICE THIRTY-EIGHT branch account within seconds.

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

All three modes accept the IFSC TPSC0000013 for The Punjab State Cooperative Bank Ltd – BRANCH OFFICE THIRTY-EIGHT, 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 Branch Office Thirty-Eight 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 The Punjab State Cooperative Bank Ltd's BRANCH OFFICE THIRTY-EIGHT branch, the IFSC TPSC0000013 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 Branch Office Thirty-Eight branch is mapped to IFSC TPSC0000013 on the RBI payments network. The branch generally supports the full retail product catalogue of The Punjab State Cooperative Bank Ltd, 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 TPSC0000013.

Products and services

Customers walking into the Branch Office Thirty-Eight branch can access most of The Punjab State Cooperative Bank Ltd'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 TPSC0000013

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by The Punjab State Cooperative Bank Ltd carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC TPSC0000013 and the account number together uniquely identify the Branch Office Thirty-Eight 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 Branch Office Thirty-Eight 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 TPSC0000013 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.

Common mistakes to avoid when using IFSC TPSC0000013

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 The Punjab State Cooperative Bank Ltd – BRANCH OFFICE THIRTY-EIGHT, 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: TPSC0000013.
• 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.

Reaching the branch

The Branch Office Thirty-Eight branch sits at SCO.84, SECTOR.38-C. If you are travelling from outside Chandigarh, search for the branch on a maps application using the bank name and locality, or call 172-5061408 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 TPSC0000013 and your account number.

Verifying IFSC TPSC0000013 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 TPSC0000013 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 172-5061408.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Branch Office Thirty-Eight 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 TPSC0000013 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code TPSC0000013 belongs to The Punjab State Cooperative Bank Ltd's BRANCH OFFICE THIRTY-EIGHT branch, located at SCO.84, SECTOR.38-C in CHANDIGARH, 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.