India · Kotli Surat Malhi · IFSC
PSIB0000096 — Punjab and Sind Bank, Kotli Surat Malhi
PSIB0000096 is the IFSC code of the Kotli Surat Malhi branch of Punjab and Sind Bank in Kotli Surat Malhi, Punjab. You need it, together with the account number, to send a local rupee transfer to an account held at this branch.
This code belongs to one specific branch — Kotli Surat Malhi — and not to Punjab and Sind Bank as a whole. The first four letters, PSIB, identify the bank; the last six identify this branch alone. This is the only Punjab and Sind Bank branch the register lists in Kotli Surat Malhi. The branch is enabled for every transfer type the register tracks — NEFT, RTGS, IMPS and UPI. Nationally Punjab and Sind Bank has 1,821 branches in the Reserve Bank of India's register.
Branch details
| IFSC code | PSIB0000096 |
|---|---|
| Bank | Punjab and Sind Bank |
| Branch | Kotli Surat Malhi |
| Address | Kotli Surat Malhi, Distt. Gurdaspur , Punjab - 143605 |
| City | Kotli Surat Malhi |
| District | Kotli Surat Malhi |
| State | Punjab |
| MICR code | 143023261 |
| Phone | +911871262325 |
Transfer types this branch accepts
| Rail | Status |
|---|---|
| NEFT | Supported |
| RTGS | Supported |
| IMPS | Supported |
| UPI | Supported |
NEFT and RTGS move money between banks; IMPS runs around the clock; UPI is India's instant mobile system. An incoming transfer from abroad arrives over these same rails.
Find a branch by its IFSC code
All 182,498 codes in the Reserve Bank of India register, snapshot of 2026-08-21, are searchable here. It covers branches this page does not list, including other Punjab and Sind Bank branches.
How to send money to a Punjab and Sind Bank account in Kotli Surat Malhi
- Get the details from your recipient — full name as it appears on the account, account number and the IFSC code of their branch.
- Fund your transfer from your own USD, EUR or GBP account details.
- Send in INR — the money arrives as a local Indian transfer, so the recipient does not need to deal with international banking.
Common questions
What bank does IFSC PSIB0000096 belong to?
Punjab and Sind Bank, Kotli Surat Malhi branch in Kotli Surat Malhi, Punjab. The code identifies that single branch, which is what an Indian bank transfer is routed to.
Can I use PSIB0000096 to receive money from abroad?
Yes. Give the sender this code together with the account number — the money arrives as a local rupee transfer into the Kotli Surat Malhi branch.
What is the MICR code for this branch?
143023261. MICR appears on cheques and is used for cheque clearing, while the IFSC is what routes an electronic transfer.
Is this code the same for every branch of the bank?
No. Only the first four letters are shared across Punjab and Sind Bank. The rest is unique to Kotli Surat Malhi, and using another branch's code sends the money to the wrong place.
Where do these details come from?
The Reserve Bank of India's own register of participating branches, which is the same source Indian banks publish from.
Where this data comes from
Branch names, addresses and IFSC codes are taken from the Reserve Bank of India's list of NEFT-enabled branches, snapshot of 2026-08-21. The RBI compiles it from the participating banks themselves, so spellings follow the banks' own records. We normalise state names and city spellings, merge duplicate names for the same city, and exclude administrative entries such as RTGS head offices and service branches from branch counts. Nothing is added to the data. Found something wrong? Write to support@payerpay.io.
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