PSIB0021222 — Punjab & Sind Bank, Phagwara Hsp Road
PSIB0021222 is the IFSC code of Punjab & Sind Bank, Phagwara Hsp Road branch, Kapurthala, Punjab. MICR 144023209. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | PSIB0021222 |
|---|---|
| Bank | Punjab & Sind Bank |
| Branch | Phagwara Hsp Road |
| Address | ESS PEE HEIGHTS COMPLEX HOSHIARPUR ROAD PHAGWARA DISTT KAPURTHALA PB 144401 |
| City | Kapurthala |
| District | Phagwara |
| State | Punjab |
| MICR code | 144023209 |
| SWIFT code | — |
| Phone | +91503718 |
| 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 Kapurthala
- Begowal Distt Kapurthala — PSIB0020928
- Bhawanipur — PSIB0021366
- Bholath — PSIB0020937
- Bohani — PSIB0021301
- Chachoki, Kapurthala — PSIB0000189
- Damulian — PSIB0021484
- Ibrahimwal — PSIB0021310
- Kapurthala Railway Coach Factor — PSIB0000822
- Khera — PSIB0021035
- Khera Dona — PSIB0000080
- Madhopur — PSIB0021119
- Mallian — PSIB0021483
How to read IFSC PSIB0021222
| Part | Meaning |
|---|---|
| PSIB | Bank code – Punjab & Sind Bank |
| 0 | Fifth character, always zero (kept for future use) |
| 021222 | Branch code – Phagwara Hsp Road, Kapurthala |
The MICR code 144023209 is printed at the bottom of cheques from this branch: 144 is the city code, 023 the bank code and 209 the branch code. MICR is used only for cheque clearing; online transfers need the IFSC.
Sending money to Punjab & Sind Bank, Phagwara Hsp Road
Payments this branch can receive using IFSC PSIB0021222:
- 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 PSIB0021222.
Questions about IFSC PSIB0021222
What is the IFSC code of Punjab & Sind Bank, Phagwara Hsp Road branch?
The IFSC code of Punjab & Sind Bank, Phagwara Hsp Road branch (Kapurthala, Punjab) is PSIB0021222.
What is the MICR code of Punjab & Sind Bank, Phagwara Hsp Road?
The MICR code of this branch is 144023209.
Where is Punjab & Sind Bank, Phagwara Hsp Road branch located?
The branch address is ESS PEE HEIGHTS COMPLEX HOSHIARPUR ROAD PHAGWARA DISTT KAPURTHALA PB 144401 (Punjab).
Does PSIB0021222 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.