Punjab & Sind Bank — GORAYA DISTT PHILLAUR

JALANDHAR, PUNJAB

IFSC Code

PSIB0020933

MICR Code

144023452

Branch

GORAYA DISTT PHILLAUR

Bank

Punjab & Sind Bank

District

PHILLAUR

State

PUNJAB

Contact

+911826501262

Address

GORAYA G T ROAD TEHSIL PHILLAUR PUNJAB

Get Directions to This Branch

Using IFSC PSIB0020933 for money transfers

NEFT transfers to GORAYA DISTT PHILLAUR, one of Punjab & Sind Bank's branches in PHILLAUR, 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 GORAYA DISTT PHILLAUR almost immediately once processed, rather than waiting for the next settlement window.

IMPS is built for urgency: transfers to GORAYA DISTT PHILLAUR 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 GORAYA DISTT PHILLAUR: 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 GORAYA DISTT PHILLAUR 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 GORAYA DISTT PHILLAUR 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 PSIB0020933 when prompted — this routes the transfer to GORAYA DISTT PHILLAUR 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 GORAYA DISTT PHILLAUR branch?

The IFSC code for Punjab & Sind Bank's GORAYA DISTT PHILLAUR branch in JALANDHAR, PHILLAUR, PUNJAB is PSIB0020933. 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 144023452. MICR codes are used for cheque clearing, while the IFSC code (PSIB0020933) is what's needed for electronic transfers like NEFT and RTGS.

Where is the GORAYA DISTT PHILLAUR branch of Punjab & Sind Bank located?

This branch is located at: GORAYA G T ROAD TEHSIL PHILLAUR PUNJAB. It falls under PHILLAUR district, PUNJAB.

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

Yes — the same IFSC code (PSIB0020933) 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 +911826501262.

Other Punjab & Sind Bank branches in PHILLAUR

BILGHAPHILLAUR JALANDHAR

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.