Branch Details — PSIB0000176
| Bank Name | Punjab & Sind Bank |
| Branch Name | Joshimath |
| IFSC Code | PSIB0000176 |
| MICR Code | 246023151 |
| Bank Code (RBI) | PSIB |
| Branch Code | 000176 |
| Address | UPPER BAZAR JOSHIMATH, DISTT. CHAMOLI, UTTARAKHAND - 246443 |
| City | Chamoli |
| District | Joshimath |
| State | Uttarakhand |
| Contact | +911389222115 |
| Toll Free | 1800-419-8300 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using PSIB0000176
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC PSIB0000176.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC PSIB0000176.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is PSIB0000176. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Punjab & Sind Bank Joshimath branch, Chamoli, Uttarakhand.
The MICR code is 246023151. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: UPPER BAZAR JOSHIMATH, DISTT. CHAMOLI, UTTARAKHAND - 246443. 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 000176 identify the Joshimath branch.
Yes. Punjab & Sind Bank Joshimath Branch (IFSC: PSIB0000176) 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 PSIB0000176 → select NEFT/RTGS/IMPS → confirm with OTP.