The IFSC Code is a very important number used in India for digital banking and online money transfers that ensures seamless and accurate fund transfers. In case you are sending money through NEFT, RTGS, or IMPS, the bank requires you to enter the correct IFSC Code to route your payment to the right branch. If you are searching for the IFSC Code of Punjab National Bank for its Ramanattukara branch in Calicut, Kozhikode, Kerala, this complete guide will provide you with detailed information.
The banking system in India has changed over the years, and today customers of Punjab National Bank located in Calicut or anywhere in Kerala can transfer funds instantly by using the correct IFSC Code PUNB0434500. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.
Details of IFSC Code for Punjab National Bank, Ramanattukara, Calicut
The table below shows the main details of the IFSC Code PUNB0434500 for the Punjab National Bank branch in Calicut, which falls under the Kozhikode district in Kerala.
| Particulars | Details |
|---|---|
| Bank | Punjab National Bank |
| IFSC Code | PUNB0434500 |
| Branch | Ramanattukara |
| City | Calicut |
| District | Kozhikode |
| State | Kerala |
| Address | Bhaskar Building, Ramanattukara |
These details are crucial, not just for online banking users but also for businesses and individuals who use Punjab National Bank in Calicut for recurring financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code PUNB0434500 for the Ramanattukara 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, which is an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, including Punjab National Bank located in Ramanattukara, Calicut, Kerala, is provided a unique IFSC like PUNB0434500 so that their online payments reach the right place.
The IFSC Code is important because:
- It uniquely recognizes the Punjab National Bank branch in Calicut.
- Helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It avoids any confusions between multiple branches of the same bank across different places like Calicut and Kozhikode.
- It reduces most of the errors in fund transfers and makes sure its accuracy.
- It enables sender banks to validate and confirm branch details before processing payments.
For thousands of branches across Kerala and the rest of India, the IFSC Code ensures that transactions meant for Punjab National Bank in Ramanattukara do not get misguided to another person.
Format of the IFSC Code PUNB0434500
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 Ramanattukara in Calicut.
For example, the IFSC Code PUNB0434500 of Punjab National Bank for the Ramanattukara branch includes these elements, identifying the bank and the branch location in Calicut and Kerala accurately.
How to Find IFSC Code for Punjab National Bank?
If you are trying to find the IFSC Code PUNB0434500 of Punjab National Bank for its Ramanattukara branch located in Calicut, 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 Calicut and Kozhikode, 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 Ramanattukara or Calicut to get the exact IFSC Code PUNB0434500.
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 Calicut, you'll get the correct details.
How to Use IFSC Code PUNB0434500 for Online Transfers?
Once you have the IFSC Code PUNB0434500 for the Ramanattukara branch of Punjab National Bank in Calicut, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code PUNB0434500. 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 PUNB0434500.
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 Ramanattukara in Calicut, your payment can get delayed or might not go through at all.
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 Ramanattukara, 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 Calicut manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code is PUNB0434500.
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 Bhaskar Building, Ramanattukara located in Calicut, Kozhikode, Kerala.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.
