Punjab & Sind Bank — SARNA

GURDASPUR, PUNJAB

IFSC Code

PSIB0021183

MICR Code

145023008

Branch

SARNA

Bank

Punjab & Sind Bank

District

PATHANKOT

State

PUNJAB

Contact

+917347044969

Address

VILL SARNA NEAR PIPE FACTORY G T ROADSARNA DISTT PATHANKOT PUNJAB

Get Directions to This Branch

Using IFSC PSIB0021183 for money transfers

To move funds into an account held at SARNA (Punjab & Sind Bank) using NEFT, the sender's bank needs this branch's IFSC code — PSIB0021183. NEFT settles in batches throughout the day, so it's a good fit for transfers that don't need to land instantly.

RTGS is the go-to option when transferring large sums (₹2 lakh+) to SARNA in GURDASPUR, since each transfer is settled individually and immediately rather than bundled with others.

Need money at Punjab & Sind Bank, SARNA right now? IMPS settles instantly, 24x7, including weekends and holidays — unlike NEFT/RTGS, which follow banking-hour batch or settlement windows.

NEFT & RTGS Timing — System Hours vs. Branch Hours

A distinction that matters if you're transferring to SARNA: 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 SARNA 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).

Here's how to send money to SARNA using net banking or a UPI app:

  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 PSIB0021183 when prompted — this routes the transfer to SARNA 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 SARNA branch?

The IFSC code for Punjab & Sind Bank's SARNA branch in GURDASPUR, PATHANKOT, PUNJAB is PSIB0021183. 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 145023008. MICR codes are used for cheque clearing, while the IFSC code (PSIB0021183) is what's needed for electronic transfers like NEFT and RTGS.

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

This branch is located at: VILL SARNA NEAR PIPE FACTORY G T ROADSARNA DISTT PATHANKOT PUNJAB. It falls under PATHANKOT district, PUNJAB.

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

Yes — the same IFSC code (PSIB0021183) 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 +917347044969.

Other Punjab & Sind Bank branches in PATHANKOT

MAMOON CANTT PATHANKOTMIRTHALNAROT MEHRAPATHANKOTTARAGARH

Punjab & Sind Bank in other districts of PUNJAB

AMRITSAR (39)LUDHIANA (30)JALANDHAR (29)PATIALA (21)FARIDKOT (16)GURDASPUR (16)MOGA (15)HOSHIARPUR (13)

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.