PSIBBranch Code: 000472

Punjab & Sind Bank IFSC Code

GAYA Branch, GAYA, GAYA, BIHAR

Primary IFSC Code

PSIB0000472

Banking information from our maintained dataset. Last Verified: 23 Sept 2026

The official Indian Financial System Code (IFSC) for Punjab & Sind Bank, GAYA branch in GAYA, BIHAR is PSIB0000472. The MICR code for cheque clearance is 823023002.

Branch Fact Sheet & Electronic Routing Details

Bank Name: Punjab & Sind Bank
Branch Name: GAYA
MICR Code: 823023002
City / District: GAYA (GAYA)
State: BIHAR
Postal Pincode: 823001

Full Branch Address

K P ROAD GAYA BIHAR 823001, Pincode: 823001

Contact Details

Phone: +916224260333

How to Read IFSC Code: PSIB0000472

An Indian Financial System Code (IFSC) is a unique 11-character alphanumeric code assigned by the Reserve Bank of India to identify bank branches for electronic payment systems.

PSIBBank Identifier

First 4 alphabetic characters identify Punjab & Sind Bank.

0Control Character

5th character is always numeral '0', reserved for future use.

000472Branch Code

Last 6 alphanumeric characters identify the specific physical branch.

Payment Systems Supported by this IFSC Code

Payment System	Settlement Time	Minimum Amount	Availability	Ideal For
NEFT (National Electronic Funds Transfer)	Half-hourly batches	₹1 (No minimum)	24x7x365	Routine bills, small & medium transactions
RTGS (Real Time Gross Settlement)	Real-time instant	₹2,00,000	24x7x365	High-value urgent financial transfers
IMPS (Immediate Payment Service)	Immediate	₹1 (Max ₹5 Lakh)	24x7x365	Instant mobile banking & emergency transfers

Both NEFT and RTGS operate around the clock in India. Always double check the 11-digit IFSC code and recipient account number before submitting your transfer.

Frequently Asked Questions: Punjab & Sind Bank (PSIB0000472)

What is the IFSC Code for Punjab & Sind Bank GAYA branch?

The IFSC Code for Punjab & Sind Bank GAYA branch in GAYA, BIHAR is PSIB0000472. It is used for NEFT, RTGS, and IMPS funds transfer.

What is the address of Punjab & Sind Bank GAYA branch?

The branch is located at: K P ROAD GAYA BIHAR 823001, Pincode: 823001, GAYA, BIHAR.

What is the MICR Code for Punjab & Sind Bank GAYA?

The MICR Code for electronic cheque clearing at Punjab & Sind Bank GAYA is 823023002.

How can I contact Punjab & Sind Bank GAYA branch?

You can contact the branch at: Phone: +916224260333. For official national customer care, refer to Punjab & Sind Bank's official banking channels.

How to decipher the IFSC code PSIB0000472?

The first 4 characters 'PSIB' represent Punjab & Sind Bank. The 5th character is '0' reserved for future use. The last 6 characters '000472' represent the specific GAYA branch code.