PSIBBranch Code: 021312

Punjab & Sind Bank Lakha Branch IFSC Code: PSIB0021312

Branch Code: 021312 | JAGRAON, JAGRAON, Punjab

Primary IFSC Code

PSIB0021312

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

The official Indian Financial System Code (IFSC) for Punjab & Sind Bank, Lakha branch in JAGRAON, Punjab is PSIB0021312. The MICR code for cheque clearance is 142023062.

Branch Fact Sheet & Electronic Routing Details

Bank Name: Punjab & Sind Bank
Branch Name: LAKHA
MICR Code: 142023062
City / District: JAGRAON (JAGRAON)
State: Punjab
Postal Pincode: 142031

Full Branch Address

VILLAGE LAKHA TEHSIL JAGRAON DISTT LUDHIANA 142031 PUNJAB, Pincode: 142031

Contact & Customer Care

Phone: +911624252555

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How to Read IFSC Code: PSIB0021312

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.

021312Branch 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 24x7 in India. Always double check the 11-digit IFSC code and recipient account number before submitting your transfer.

Read Complete NEFT vs RTGS vs IMPS Guide →

Frequently Asked Questions: Punjab & Sind Bank (PSIB0021312)

Which bank does IFSC Code PSIB0021312 belong to?

IFSC Code PSIB0021312 belongs to Punjab & Sind Bank for its LAKHA branch, located in JAGRAON, Punjab. The 4-letter prefix 'PSIB' represents Punjab & Sind Bank.

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

The IFSC Code for Punjab & Sind Bank LAKHA branch in JAGRAON, Punjab is PSIB0021312. It is used for NEFT, RTGS, and IMPS funds transfer.

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

The branch is located at: VILLAGE LAKHA TEHSIL JAGRAON DISTT LUDHIANA 142031 PUNJAB, Pincode: 142031, JAGRAON, Punjab.

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

The MICR Code for electronic cheque clearing at Punjab & Sind Bank LAKHA is 142023062.

How can I contact Punjab & Sind Bank LAKHA branch?

You can contact the branch at: Phone: +911624252555. For official national customer care, refer to Punjab & Sind Bank's official banking channels.

How to decipher the IFSC code PSIB0021312?

The first 4 characters 'PSIB' represent Punjab & Sind Bank. The 5th character is '0' reserved for future use. The last 6 characters '021312' represent the specific LAKHA branch code.