PSIB0000522 — Punjab & Sind Bank, Gurudwara Kalgidhar
PSIB0000522 is the IFSC code of Punjab & Sind Bank, Gurudwara Kalgidhar branch, Ludhiana, Punjab. MICR 141023003. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | PSIB0000522 |
|---|---|
| Bank | Punjab & Sind Bank |
| Branch | Gurudwara Kalgidhar |
| Address | GURUDWARA KALGIDHAR ROAD LUDHIANA |
| City | Ludhiana |
| District | Ludhiana |
| State | Punjab |
| MICR code | 141023003 |
| SWIFT code | — |
| Phone | +911615068066 |
| 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 Ludhiana
- Bagli Kalan — PSIB0000450
- Bahadur Ke — PSIB0021094
- Barundi — PSIB0000438
- Bhamian Khurd — PSIB0021342
- Bodalwala — PSIB0021314
- Buzurg — PSIB0021188
- Cenmarg Ludhiana — PSIB0009072
- Chakkar — PSIB0000251
- Chaukiman — PSIB0000160
- Civil Line Ludhiana — PSIB0000145
- Dbu Jagraon — PSIB0021574
- Dehlon, Ludhiana — PSIB0000085
How to read IFSC PSIB0000522
| Part | Meaning |
|---|---|
| PSIB | Bank code – Punjab & Sind Bank |
| 0 | Fifth character, always zero (kept for future use) |
| 000522 | Branch code – Gurudwara Kalgidhar, Ludhiana |
The MICR code 141023003 is printed at the bottom of cheques from this branch: 141 is the city code, 023 the bank code and 003 the branch code. MICR is used only for cheque clearing; online transfers need the IFSC.
Sending money to Punjab & Sind Bank, Gurudwara Kalgidhar
Payments this branch can receive using IFSC PSIB0000522:
- 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 PSIB0000522.
Questions about IFSC PSIB0000522
What is the IFSC code of Punjab & Sind Bank, Gurudwara Kalgidhar branch?
The IFSC code of Punjab & Sind Bank, Gurudwara Kalgidhar branch (Ludhiana, Punjab) is PSIB0000522.
What is the MICR code of Punjab & Sind Bank, Gurudwara Kalgidhar?
The MICR code of this branch is 141023003.
Where is Punjab & Sind Bank, Gurudwara Kalgidhar branch located?
The branch address is GURUDWARA KALGIDHAR ROAD LUDHIANA (Punjab).
Does PSIB0000522 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.