Punjab Sind Bank Joshimath IFSC Code
Punjab Sind Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Joshimath
District
Joshimath
State
Uttarakhand
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Frequently Asked Questions
About Punjab Sind Bank Joshimath (upper Bazar Joshimath - 0176), Joshimath
The IFSC code PSIB0000176 (lowercase: psib0000176) belongs to Punjab Sind Bank, specifically the Joshimath (upper Bazar Joshimath - 0176) branch located in Joshimath, Uttarakhand.
The 5th character in the IFSC code PSIB0000176 is a zero (0), not the letter 'O'. The correct format is PSIB0000176 (lowercase: psib0000176), and not PSIBO000176. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Punjab Sind Bank Joshimath (upper Bazar Joshimath - 0176) in Joshimath, Uttarakhand is PSIB0000176. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Punjab Sind Bank Joshimath (upper Bazar Joshimath - 0176) is located at Upper Bazar Joshimath, Distt. Chamoli, Uttarakhand - 246443, Joshimath, Uttarakhand. You can click the "View on Google Maps" button on this page to get directions.
The MICR (Magnetic Ink Character Recognition) code of Punjab Sind Bank Joshimath (upper Bazar Joshimath - 0176) is 246023151. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code PSIB0000176 is valid for all three RBI-regulated transfer modes: NEFT (settled in 30-minute batches, no minimum), RTGS (real-time, minimum ₹2 lakh), and IMPS (instant, up to ₹5 lakh). All modes are available 24×7×365 as per RBI guidelines issued in December 2019.
You can verify IFSC code PSIB0000176 by checking: (1) The top-left corner of any Punjab Sind Bank Joshimath (upper Bazar Joshimath - 0176) cheque leaf, (2) The first page of your Punjab Sind Bank passbook, (3) Your net banking or mobile banking app under "Branch Details", or (4) The RBI's official IFSC lookup at rbi.org.in.
Understanding IFSC Code: PSIB0000176
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
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PSIB0000176
What Each Part Means
- Bank Code — PSIB
- The first 4 characters uniquely identify Punjab Sind Bank at the national level. Every branch of Punjab Sind Bank across all states shares this same prefix. It is assigned by the RBI and never changes.
- Reserved — 0
- The 5th character is always 0 (zero), reserved by the RBI for future use. It acts as a separator between the bank identifier and the branch-specific code and is mandatory in all electronic fund transfer systems.
- Branch Code — 000176
- The final 6 characters 000176 uniquely identify this specific branch within the Punjab Sind Bank network. No two branches share the same branch code. Use this code to verify you have the correct branch before initiating any NEFT, RTGS, or IMPS transfer.
| Segment | Chars | Value | Purpose |
|---|---|---|---|
| Bank Code | 1–4 | PSIB | Identifies Punjab Sind Bank |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 000176 | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
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Punjab Sind Bank
Joshimath (upper Bazar Joshimath - 0176), Joshimath, Uttarakhand
Cheque No.
00000176
A/c No.
Authorised Signatory
IFSC vs MICR — Functional Comparison
Two different codes, two different banking systems
| Feature | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Length & Format | 11 characters — alphanumeric | 9 digits — numeric only |
| This Branch | PSIB0000176 | 246023151 |
| Primary Use | Electronic fund transfers: NEFT, RTGS, IMPS, UPI | Physical cheque clearing at clearing houses |
| Medium | Digital / online — no physical document needed | Printed in magnetic ink on cheque leaf bottom band |
| Processing Speed | Real-time (IMPS/UPI) or 30-min batches (NEFT) | T+1 or T+2 clearing cycle via RBI clearing houses |
| Where to Find It | Cheque leaf (top area), passbook first page, net banking | Bottom band of cheque leaf (the printed magnetic strip) |
| Assigned By | RBI — permanent unless branch is relocated/merged | RBI — encodes city (3) + bank (3) + branch (3) digits |
| Required For | Adding a payee / beneficiary for online transfer | Cheque book issuance and clearing house processing |
Source: Reserve Bank of India (RBI) Payment Systems Guidelines. IFSC mandatory for NEFT/RTGS/IMPS since 2010; MICR used by CTS-2010 standard cheque clearing.