Branch Details — PSIB0000449
| Bank Name | Punjab & Sind Bank |
| Branch Name | Heddon |
| IFSC Code | PSIB0000449 |
| MICR Code | 141023255 |
| Bank Code (RBI) | PSIB |
| Branch Code | 000449 |
| Address | HEDDON TEH. SAMRALA, DISTT. LUDHIANA, PUNJAB - 141114 |
| City | Ludhiana |
| District | Heddo |
| State | Punjab |
| Contact | +911628272584 |
| Toll Free | 1800-419-8300 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using PSIB0000449
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC PSIB0000449.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC PSIB0000449.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is PSIB0000449. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Punjab & Sind Bank Heddon branch, Ludhiana, Punjab.
The MICR code is 141023255. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: HEDDON TEH. SAMRALA, DISTT. LUDHIANA, PUNJAB - 141114. Branch timings: Monday–Friday 9:30 AM – 3:30 PM, Saturday 9:30 AM – 1:30 PM (closed 2nd/4th Saturdays).
PSIB identifies Punjab & Sind Bank. The 5th character 0 is reserved by RBI. The last 6 characters 000449 identify the Heddon branch.
Yes. Punjab & Sind Bank Heddon Branch (IFSC: PSIB0000449) is fully enabled for NEFT, RTGS, IMPS, UPI, available 24×7 including weekends and holidays.
Log in to your bank's net banking or mobile app → Fund Transfer → Add Beneficiary → enter account number and IFSC PSIB0000449 → select NEFT/RTGS/IMPS → confirm with OTP.