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 Guwahati, Maligaon branch in Guwahati, Guwahati, Assam, 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 Guwahati or anywhere in Assam can transfer funds instantly by using the correct IFSC Code PUNB0458900. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.
Details of IFSC Code for Punjab National Bank, Guwahati, Maligaon, Guwahati
Here are some of the key details that come with the IFSC Code PUNB0458900 of Punjab National Bank for its branch located in Guwahati, within the district of Guwahati in the state of Assam.
| Particulars | Details |
|---|---|
| Bank | Punjab National Bank |
| IFSC Code | PUNB0458900 |
| Branch | Guwahati, Maligaon |
| City | Guwahati |
| District | Guwahati |
| State | Assam |
| Address | P.N.G.B.Road, Maligaon Charali |
These details are essential not only for online banking users but also for businesses and individuals who use Punjab National Bank in Guwahati for day-to-day financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code PUNB0458900 for the Guwahati, Maligaon 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 Guwahati, Maligaon, Guwahati, Assam, are allotted a unique IFSC like PUNB0458900 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Guwahati.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Guwahati and Guwahati.
- 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 Guwahati, Maligaon reaches the right place, even though there are thousands of branches in Assam and across India.
Format of the IFSC Code PUNB0458900
The format of the IFSC Code for banks, including Punjab National Bank, follows an 11-character structure:
AAAA0CCCCCC
Here's the breakdown of this:
- First 4 characters (AAAA): Represent the bank code. For Punjab National Bank, these characters are the bank's short identifier.
- 5th character (0): Always zero which is reserved for future use.
- Last 6 characters (CCCCCC): Represent the specific branch code assigned to branches such as Guwahati, Maligaon in Guwahati.
For example, the IFSC Code PUNB0458900 of Punjab National Bank for the Guwahati, Maligaon branch includes these elements, identifying the bank and the branch location in Guwahati and Assam accurately.
How to Find IFSC Code for Punjab National Bank?
If you are trying to find the IFSC Code PUNB0458900 of Punjab National Bank for its Guwahati, Maligaon branch located in Guwahati, 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 Guwahati and Guwahati, 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 Guwahati, Maligaon or Guwahati to get the exact IFSC Code PUNB0458900.
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 Guwahati that will provide accurate information.
How to Use IFSC Code PUNB0458900 for Online Transfers?
If you have the IFSC Code PUNB0458900 for the Guwahati, Maligaon branch of Punjab National Bank in Guwahati, you can easily go ahead with fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code PUNB0458900. Transfers are processed in batches. 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. Asks for the recipient's account details and Punjab National Bank IFSC Code PUNB0458900.
Whatever method you choose, the accuracy of the IFSC Code is important and needed. In case there is any mistake in entering the IFSC Code for Punjab National Bank Guwahati, Maligaon in Guwahati, it 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 Guwahati, Maligaon, 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 Guwahati manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code is PUNB0458900.
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 P.N.G.B.Road, Maligaon Charali located in Guwahati, Guwahati, Assam.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.