PSIB0000109 — Punjab & Sind Bank, Bhagowal
PSIB0000109 is the IFSC code of Punjab & Sind Bank, Bhagowal branch, Gurdaspur, Punjab. MICR 143023258. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | PSIB0000109 |
|---|---|
| Bank | Punjab & Sind Bank |
| Branch | Bhagowal |
| Address | BHAGOWAL, DISTT. GURDASPUR , PUNJAB - 143511 |
| City | Gurdaspur |
| District | Bhagowal |
| State | Punjab |
| MICR code | 143023258 |
| SWIFT code | — |
| Phone | +911871258207 |
| NEFT | Yes |
| RTGS | Yes |
| IMPS | Yes |
| UPI | Yes |
Source: Reserve Bank of India IFSC/MICR list, as compiled by the open-source Razorpay IFSC dataset (MIT licence), updated 08 Nov 2026. Always confirm the IFSC with your bank before sending money.
Other Punjab & Sind Bank branches in Gurdaspur
- Aliwal ,nasarke Sarchur — PSIB0000560
- Babehali — PSIB0021359
- Babri Jeewanwal ,gurdas Nangal — PSIB0000676
- Bahadur Husain Usb — PSIB0021219
- Bariar — PSIB0000496
- Basra Wan — PSIB0021425
- Batala Gurdwara Sri Kand Sahib — PSIB0000543
- Behrampur — PSIB0021303
- Cenmarg Gurdaspur — PSIB0009067
- Chahal Kalan — PSIB0021468
- Cinema Road Batala — PSIB0000094
- Dehr — PSIB0021424
How to read IFSC PSIB0000109
| Part | Meaning |
|---|---|
| PSIB | Bank code – Punjab & Sind Bank |
| 0 | Fifth character, always zero (kept for future use) |
| 000109 | Branch code – Bhagowal, Gurdaspur |
The MICR code 143023258 is printed at the bottom of cheques from this branch: 143 is the city code, 023 the bank code and 258 the branch code. MICR is used only for cheque clearing; online transfers need the IFSC.
Sending money to Punjab & Sind Bank, Bhagowal
Payments this branch can receive using IFSC PSIB0000109:
- NEFT – available 24×7, all days; RBI sets no minimum or maximum amount (your bank may set its own limit).
- RTGS – for ₹2 lakh and above, settled in real time, 24×7.
- IMPS – instant transfer 24×7, usually up to ₹5 lakh per transaction.
- UPI – accounts at this branch can be linked to UPI apps.
To pay someone here you need their account number, the account holder’s name and the IFSC PSIB0000109.
Questions about IFSC PSIB0000109
What is the IFSC code of Punjab & Sind Bank, Bhagowal branch?
The IFSC code of Punjab & Sind Bank, Bhagowal branch (Gurdaspur, Punjab) is PSIB0000109.
What is the MICR code of Punjab & Sind Bank, Bhagowal?
The MICR code of this branch is 143023258.
Where is Punjab & Sind Bank, Bhagowal branch located?
The branch address is BHAGOWAL, DISTT. GURDASPUR , PUNJAB - 143511 (Punjab).
Does PSIB0000109 support RTGS and NEFT?
NEFT: yes. RTGS: yes. IMPS: yes (as per the RBI list in our records).
Income tax refund not received?
A refund fails when the bank account on the income tax portal is not pre-validated or the IFSC has changed after a bank merger. We fix the account, raise a refund re-issue request and follow up — online, anywhere in India.