Digital banking and online financial transactions in India uses one essential element that ensures you have a seamless and accurate fund transfers, it is the IFSC Code. No matter, if you are sending money through NEFT, RTGS, or IMPS, the bank requires you to enter the correct IFSC Code so that your payment goes to the right branch. And if you are searching for the IFSC Code of Punjab National Bank for its Agra-Kamla Nagar branch in Agra, Agra, Uttar Pradesh, then this guide will give you detailed information.
The banking system has evolved significantly in India, and today the customers of Punjab National Bank located in Agra or anywhere in Uttar Pradesh can transfer funds instantly by using the correct IFSC Code PUNB0118610. You should definitely know how the IFSC Code works and how it helps you stay informed and avoid transfer errors.
Details of IFSC Code for Punjab National Bank, Agra-Kamla Nagar, Agra
Below in the table are the key details related to IFSC Code PUNB0118610 of Punjab National Bank for its branch located in Agra, within the district of Agra in the state of Uttar Pradesh.
| Particulars | Details |
|---|---|
| Bank | Punjab National Bank |
| IFSC Code | PUNB0118610 |
| Branch | Agra-Kamla Nagar |
| City | Agra |
| District | Agra |
| State | Uttar Pradesh |
| Address | D-507, Hotel Woodland Building, Kamla Nagar 282002 |
These details are essential not only for online banking users but also for businesses and individuals who use Punjab National Bank in Agra for day-to-day financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code PUNB0118610 for the Agra-Kamla Nagar branch of Punjab National Bank plays an important role.
What Is IFSC Code and Why Is It Important?
IFSC stands for Indian Financial System Code, an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, along with Punjab National Bank located in Agra-Kamla Nagar, Agra, Uttar Pradesh, are allotted a unique IFSC like PUNB0118610 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Agra.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Agra and Agra.
- It reduces errors in fund transfers and improves accuracy.
- It helps the sender banks to validate and confirm branch details before processing payments.
It makes sure that money sent to Punjab National Bank in Agra-Kamla Nagar reaches the right place, even though there are thousands of branches in Uttar Pradesh and across India.
Format of the IFSC Code PUNB0118610
The format of the IFSC Code for banks, including Punjab National Bank, follows an 11-character structure:
AAAA0CCCCCC
Here's the breakdown:
- First 4 characters (AAAA): These represent the bank code. In Punjab National Bank, they are a short identifier for the bank.
- 5th character (0): This is always zero and is reserved for future use.
- Last 6 characters (CCCCCC): These are what represent the specific branch code which is assigned to branches like Agra-Kamla Nagar in Agra.
For example, the IFSC Code PUNB0118610 of Punjab National Bank for the Agra-Kamla Nagar branch has these elements, identifying the bank and the branch location in Agra and Uttar Pradesh correctly.
How to Find IFSC Code for Punjab National Bank?
If you are trying to find the IFSC Code PUNB0118610 of Punjab National Bank for its Agra-Kamla Nagar branch located in Agra, the following methods can help:
Cheque Book
The cheque book issued by Punjab National Bank includes the IFSC Code printed on each cheque leaf which you can easily spot on the top section.
Passbook
Most banks, including Punjab National Bank branches in Agra and Agra, print the IFSC and MICR codes on the first page of your passbook.
Bank Website
Visit the official website of Punjab National Bank and navigate to the branch locator section. Search for Agra-Kamla Nagar or Agra to get the exact IFSC Code PUNB0118610.
Mobile Banking App
If you use Punjab National Bank's mobile app, you can check your account details to find your branch's IFSC code.
RBI Website
The Reserve Bank of India keeps an updated list of all IFSC codes. If you search for Punjab National Bank and Agra, you'll get the correct details.
How to Use IFSC Code PUNB0118610 for Online Transfers?
Once you have the IFSC Code PUNB0118610 for the Agra-Kamla Nagar branch of Punjab National Bank in Agra, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code PUNB0118610. The transfer is completed in batches. It is useful for both personal and business payments.
RTGS
Used for payments over ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.
IMPS
Instant 24×7 transfers. Requires the recipient's account details and Punjab National Bank IFSC Code PUNB0118610.
No matter which payment method you use, the IFSC Code must be correct. If you enter the wrong IFSC Code for the Punjab National Bank Agra-Kamla Nagar in Agra, your payment can get delayed or might not go through at all.
Finding the MICR Code
MICR codes are used for cheque clearance and are very different from IFSC codes. If you are looking for the MICR code of Punjab National Bank in Agra-Kamla Nagar, here are some of the ways you can get it:
- Check the bottom of your cheque leaf.
- Refer to the first page of your passbook.
- Visit the official Punjab National Bank website.
- Search the RBI portal.
Knowing both IFSC and MICR code can help account holders in Agra manage their online transfers and cheque clearances easily.
Frequently Asked Questions (FAQs)
The IFSC Code is PUNB0118610.
Yes, but it can change if the bank merges or goes through restructuring.
No. MICR is for cheque clearing; IFSC is for online transfers.
You can find it on cheque books, passbooks, the bank's website, mobile app, or the RBI portal.
The address of the branch is D-507, Hotel Woodland Building, Kamla Nagar 282002 located in Agra, Agra, Uttar Pradesh.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.