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. Banks need the correct IFSC Code for NEFT, RTGS, or IMPS transfers to reach the right branch. If you are looking for the IFSC Code of Punjab National Bank for its Atrauli branch in Atrauli, Atrauli, or Uttar Pradesh, this guide will help you with all the details.
There have been major changes in the banking sector in India and today, the customers of Punjab National Bank located in Atrauli or anywhere in Uttar Pradesh can transfer funds instantly by using the correct IFSC Code PUNB0459900. 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, Atrauli, Atrauli
The table below shows the main details of the IFSC Code PUNB0459900 for the Punjab National Bank branch in Atrauli, which falls under the Atrauli district in Uttar Pradesh.
| Particulars | Details |
|---|---|
| Bank | Punjab National Bank |
| IFSC Code | PUNB0459900 |
| Branch | Atrauli |
| City | Atrauli |
| District | Atrauli |
| State | Uttar Pradesh |
| Address | Atrauli, Dist. Aligarh |
These details are crucial, not just for online banking users but also for businesses and individuals who use Punjab National Bank in Atrauli for recurring financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code PUNB0459900 for the Atrauli branch of Punjab National Bank has 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 Atrauli, Atrauli, Uttar Pradesh, are allotted a unique IFSC like PUNB0459900 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Atrauli.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Atrauli and Atrauli.
- 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 Atrauli reaches the right place, even though there are thousands of branches in Uttar Pradesh and across India.
Format of the IFSC Code PUNB0459900
This is the format of the IFSC Code for banks, including Punjab National Bank, follows an 11-character structure:
AAAA0CCCCCC
Here's the explanation:
- First 4 characters (AAAA): This is the bank code. For Punjab National Bank, these characters are the bank's short identifier.
- 5th character (0): This stays zero till there is any future use.
- Last 6 characters (CCCCCC): These are specific branch code assigned to branches such as Atrauli in Atrauli.
For example, the IFSC Code PUNB0459900 of Punjab National Bank for the Atrauli branch includes these elements, identifying the bank and the branch location in Atrauli and Uttar Pradesh accurately.
How to Find IFSC Code for Punjab National Bank?
If you are trying to find the IFSC Code PUNB0459900 of Punjab National Bank for its Atrauli branch located in Atrauli, 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 Atrauli and Atrauli, 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 Atrauli or Atrauli to get the exact IFSC Code PUNB0459900.
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 Atrauli that will provide accurate information.
How to Use IFSC Code PUNB0459900 for Online Transfers?
Once you have the IFSC Code PUNB0459900 for the Atrauli branch of Punjab National Bank in Atrauli, you can initiate your fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code PUNB0459900. Transfers are processed in batches. This is suitable for 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 PUNB0459900.
Regardless of the method you choose, the accuracy of the IFSC Code is crucial. Any mistake in entering the IFSC Code for Punjab National Bank Atrauli in Atrauli may result in delayed or failed transactions.
Finding the MICR Code
MICR codes are used for check clearances and are not the same as IFSC codes. If you are searching for the MICR code of Punjab National Bank in Atrauli, you can find it by any of the following ways:
- Check the bottom of your cheque leaf.
- Go to the first page of your passbook.
- Visit the official Punjab National Bank website.
- Search the RBI portal.
Having both IFSC and MICR codes helps account holders in Atrauli manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code is PUNB0459900.
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 Atrauli, Dist. Aligarh located in Atrauli, Atrauli, Uttar Pradesh.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.