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 Pnb Loan Point - Ram - Champaran Motihari branch in Ambala, Ambala, Bihar, 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 Ambala or anywhere in Bihar can transfer funds instantly by using the correct IFSC Code PUNB0808600. 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, Pnb Loan Point - Ram - Champaran Motihari, Ambala
Below in the table are the key details related to IFSC Code PUNB0808600 of Punjab National Bank for its branch located in Ambala, within the district of Ambala in the state of Bihar.
| Particulars | Details |
|---|---|
| Bank | Punjab National Bank |
| IFSC Code | PUNB0808600 |
| Branch | Pnb Loan Point - Ram - Champaran Motihari |
| City | Ambala |
| District | Ambala |
| State | Bihar |
| Address | Nonoint-Rm-Chmrn(Motihri)Hmotih |
These details are important not only for users using online banking but also for businesses and individuals who use Punjab National Bank in Ambala for everyday financial transactions. If you are depositing money, sending payments, or managing any commercial transfers, the IFSC Code PUNB0808600 for the Pnb Loan Point - Ram - Champaran Motihari branch of Punjab National Bank is vital.
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 Pnb Loan Point - Ram - Champaran Motihari, Ambala, Bihar, are allotted a unique IFSC like PUNB0808600 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Ambala.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Ambala and Ambala.
- 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 Pnb Loan Point - Ram - Champaran Motihari reaches the right place, even though there are thousands of branches in Bihar and across India.
Format of the IFSC Code PUNB0808600
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): Show the bank code. For Punjab National Bank, these letters represent the bank's short name.
- 5th character: Is always zero and is kept for future use.
- Last 6 characters (CCCCCC): Represent the specific branch code assigned to branches such as Pnb Loan Point - Ram - Champaran Motihari in Ambala.
For example, the IFSC Code PUNB0808600 of Punjab National Bank for the Pnb Loan Point - Ram - Champaran Motihari branch includes these elements, identifying the bank and the branch location in Ambala and Bihar accurately.
How to Find IFSC Code for Punjab National Bank?
If you are trying to find the IFSC Code PUNB0808600 of Punjab National Bank for its Pnb Loan Point - Ram - Champaran Motihari branch located in Ambala, the following methods can help:
Cheque Book
The cheque books that are issued by Punjab National Bank include the IFSC Code which is printed on each cheque and you can easily spot the code on the top section.
Passbook
Most banks, including Punjab National Bank branches in Ambala and Ambala, print the IFSC and MICR codes on the first page of the passbook.
Bank Website
Visit the official website of Punjab National Bank and find the branch locator section. Search for Pnb Loan Point - Ram - Champaran Motihari or Ambala to get the exact IFSC Code PUNB0808600.
Mobile Banking App
If you use Punjab National Bank's mobile app, you can easily check your account details to find your branch's IFSC code.
RBI Website
The Reserve Bank of India maintains an updated database of all IFSC codes to help you in searching for Punjab National Bank and Ambala that will provide accurate information.
How to Use IFSC Code PUNB0808600 for Online Transfers?
Once you have the IFSC Code PUNB0808600 for the Pnb Loan Point - Ram - Champaran Motihari branch of Punjab National Bank in Ambala, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code PUNB0808600. The transfer is completed in batches instead of instantly. It is useful for both personal and business payments.
RTGS
Used for high-value payments above ₹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 PUNB0808600.
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 Pnb Loan Point - Ram - Champaran Motihari in Ambala, 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 Pnb Loan Point - Ram - Champaran Motihari, 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 Ambala manage their online transfers and cheque clearances easily.
Frequently Asked Questions (FAQs)
The IFSC Code is PUNB0808600.
Yes, but it can change during merging or restructuring of the bank.
No, MICR is for cheque clearing and IFSC is for online transfers.
You can find it on your chequebook, passbook, the bank's website, the mobile app, or on the RBI portal.
The address of the branch is Nonoint-Rm-Chmrn(Motihri)Hmotih located in Ambala, Ambala, Bihar.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.
