Punjab & Sind Bank — SARINH

LUDHIANA, PUNJAB

IFSC Code

PSIB0021313

MICR Code

141023036

Branch

SARINH

Bank

Punjab & Sind Bank

District

LUDHIANA

State

PUNJAB

Contact

+911612812868

Address

VILLAGE SARINH TEHSIL LUDHIANA DISTT LUDHIANA PUNJAB 141206

Get Directions to This Branch

Using IFSC PSIB0021313 for money transfers

NEFT transfers to SARINH, one of Punjab & Sind Bank's branches in LUDHIANA, are batch-processed rather than instant. Most transfers clear within 30 minutes to a couple of hours during banking hours, and NEFT now runs 24x7 on all days including weekends.

RTGS (Real Time Gross Settlement) is built for high-value transfers — ₹2 lakh and above — and settles individually rather than in batches, so money reaches SARINH almost immediately once processed, rather than waiting for the next settlement window.

IMPS is built for urgency: transfers to SARINH clear in seconds rather than minutes or hours, and it works around the clock — useful outside NEFT/RTGS's usual processing windows.

NEFT & RTGS Timing — System Hours vs. Branch Hours

A distinction that matters if you're transferring to SARINH: the RBI settlement system runs 24x7 for NEFT and RTGS, but that doesn't mean this specific branch is open around the clock. Online transfers process any time; in-person or cash-based requests still depend on the branch actually being open.

MethodSystem HoursIf Visiting SARINH In Person
NEFT24x7x365, including weekends and holidays (RBI mandate since 16 Dec 2019)Online/net-banking NEFT processes any time. An in-branch, cash, or cheque-based NEFT request still depends on that branch's working hours.
RTGS24x7x365, including weekends and holidays (RBI mandate since 14 Dec 2020)Minimum transfer amount is ₹2 lakh. Same system-vs-branch-hours distinction as NEFT applies for in-person requests.
IMPS24x7x365 — always has been, no banking-hours restriction at the system level.Typically capped per transaction depending on your bank's own limits (often around ₹5 lakh).

Sending funds to this Punjab & Sind Bank branch takes just a few steps:

  1. Log in to your bank's net banking portal or mobile banking app.
  2. Add a new beneficiary/payee, entering the recipient's full name and account number.
  3. Enter the IFSC code PSIB0021313 when prompted — this routes the transfer to SARINH specifically.
  4. Most banks require a short cooling-off period (often a few hours) after adding a new beneficiary before the first transfer.
  5. Once the beneficiary is active, choose NEFT, RTGS, or IMPS based on the amount and how quickly you need it to arrive.
  6. Enter the amount, review the details (name, account number, IFSC), and confirm with your OTP/PIN.

Frequently asked questions

What is the IFSC code of the Punjab & Sind Bank SARINH branch?

The IFSC code for Punjab & Sind Bank's SARINH branch in LUDHIANA, PUNJAB is PSIB0021313. This 11-character code is required for NEFT, RTGS, and IMPS transfers to any account held at this branch.

What is the MICR code of this branch?

The MICR code for this branch is 141023036. MICR codes are used for cheque clearing, while the IFSC code (PSIB0021313) is what's needed for electronic transfers like NEFT and RTGS.

Where is the SARINH branch of Punjab & Sind Bank located?

This branch is located at: VILLAGE SARINH TEHSIL LUDHIANA DISTT LUDHIANA PUNJAB 141206. It falls under LUDHIANA district, PUNJAB.

Can I use this IFSC code for both NEFT and RTGS transfers?

Yes — the same IFSC code (PSIB0021313) is used for NEFT, RTGS, and IMPS transfers to this branch. Which one you should pick depends on the amount and urgency, not the code itself: RTGS for ₹2 lakh+ needing near-instant settlement, NEFT for regular batch-processed transfers, and IMPS for smaller amounts that need to land in seconds.

Is there a phone number for this branch?

Yes, this branch's listed contact number is +911612812868.

Other Punjab & Sind Bank branches in LUDHIANA

BAHADUR KECENMARG LUDHIANACIVIL LINE LUDHIANADBU JAGRAONG G S STUDY CIRCLE LUDHIANAG H PUBLIC SCHOOL LUDHIANAGILL LUDHIANAGURUDWARA KALGIDHAR

Punjab & Sind Bank in other districts of PUNJAB

AMRITSAR (39)JALANDHAR (29)PATIALA (21)FARIDKOT (16)GURDASPUR (16)MOGA (15)HOSHIARPUR (13)BATALA (12)

IFSC and MICR code data sourced from bank-published branch records. While we take care to keep this current, always confirm the IFSC code with your bank before making a large transfer — see our disclaimer for details.