For digital banking and online financial transactions in India, one essential element that makes sure of a seamless and accurate fund transfers is the IFSC Code. If you are sending money through NEFT, RTGS, or IMPS, the bank asks you to enter the correct IFSC Code to route your payment to the right branch. And so, in case you are searching for the IFSC Code of Punjab National Bank for its Daruhi Hamirpur branch in Hamirpur, Hamirpur, Himachal Pradesh, this comprehensive guide will provide you with detailed information.
The banking system in India has changed significantly over the years, and today customers of Punjab National Bank located in Hamirpur or anywhere in Himachal Pradesh can transfer funds instantly by using the correct IFSC Code PUNB0998800. Knowing how the IFSC Code works can help you stay informed and avoid transfer errors.
Details of IFSC Code for Punjab National Bank, Daruhi Hamirpur, Hamirpur
The table below shows the main details of the IFSC Code PUNB0998800 for the Punjab National Bank branch in Hamirpur, which falls under the Hamirpur district in Himachal Pradesh.
| Particulars | Details |
|---|---|
| Bank | Punjab National Bank |
| IFSC Code | PUNB0998800 |
| Branch | Daruhi Hamirpur |
| City | Hamirpur |
| District | Hamirpur |
| State | Himachal Pradesh |
| Address | Vpo Daruhi Tehsil And Distt Hamirpur Himachal Pradesh Hampu 174001 |
These details are essential not only for online banking users but also for businesses and individuals who use Punjab National Bank in Hamirpur for day-to-day financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code PUNB0998800 for the Daruhi Hamirpur 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 Daruhi Hamirpur, Hamirpur, Himachal Pradesh, are allotted a unique IFSC like PUNB0998800 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Hamirpur.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Hamirpur and Hamirpur.
- 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 Daruhi Hamirpur reaches the right place, even though there are thousands of branches in Himachal Pradesh and across India.
Format of the IFSC Code PUNB0998800
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 Daruhi Hamirpur in Hamirpur.
For example, the IFSC Code PUNB0998800 of Punjab National Bank for the Daruhi Hamirpur branch has these elements, identifying the bank and the branch location in Hamirpur and Himachal Pradesh correctly.
How to Find IFSC Code for Punjab National Bank?
If you are trying to find the IFSC Code PUNB0998800 of Punjab National Bank for its Daruhi Hamirpur branch located in Hamirpur, 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 Hamirpur and Hamirpur, 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 Daruhi Hamirpur or Hamirpur to get the exact IFSC Code PUNB0998800.
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 Hamirpur that will provide accurate information.
How to Use IFSC Code PUNB0998800 for Online Transfers?
Once you have the IFSC Code PUNB0998800 for the Daruhi Hamirpur branch of Punjab National Bank in Hamirpur, you can start with your fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code PUNB0998800. Transfers are processed in batches. Suitable for personal and business payments.
RTGS
Used for payments above ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.
IMPS
Instant 24×7 transfers. You need the recipient's account details and Punjab National Bank IFSC Code PUNB0998800.
Whatever method you choose, the accuracy of the IFSC Code is highly important. If there is any mistake in entering the IFSC Code for Punjab National Bank Daruhi Hamirpur in Hamirpur, it can result in delayed or failed transactions.
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 Daruhi Hamirpur, 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 Hamirpur manage their online transfers and cheque clearances easily.
Frequently Asked Questions (FAQs)
The IFSC Code is PUNB0998800.
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 Vpo Daruhi Tehsil And Distt Hamirpur Himachal Pradesh Hampu 174001 located in Hamirpur, Hamirpur, Himachal Pradesh.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.