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 Garalijorhat branch in Jorhat, Jorhat, Assam, 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 Jorhat or anywhere in Assam can transfer funds instantly by using the correct IFSC Code PUNB0059320. Knowing how the IFSC Code works can help you stay informed and avoid transfer errors.
Details of IFSC Code for Punjab National Bank, Garalijorhat, Jorhat
Below in the table are the key details related to IFSC Code PUNB0059320 of Punjab National Bank for its branch located in Jorhat, within the district of Jorhat in the state of Assam.
| Particulars | Details |
|---|---|
| Bank | Punjab National Bank |
| IFSC Code | PUNB0059320 |
| Branch | Garalijorhat |
| City | Jorhat |
| District | Jorhat |
| State | Assam |
| Address | K.D.Building,Rupahi-Ali |
These details help users in online banking and for businesses and individuals who use Punjab National Bank in Jorhat for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code PUNB0059320 for the Garalijorhat branch of Punjab National Bank has a very 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 Garalijorhat, Jorhat, Assam, are allotted a unique IFSC like PUNB0059320 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Jorhat.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Jorhat and Jorhat.
- 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 Garalijorhat reaches the right place, even though there are thousands of branches in Assam and across India.
Format of the IFSC Code PUNB0059320
The format of the IFSC Code for banks, including Punjab National Bank, has 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 Garalijorhat in Jorhat.
For example, the IFSC Code PUNB0059320 of Punjab National Bank for the Garalijorhat branch includes these elements, identifying the bank and the branch location in Jorhat and Assam correctly.
How to Find IFSC Code for Punjab National Bank?
To find the IFSC Code PUNB0059320 of Punjab National Bank for its Garalijorhat branch located in Jorhat, the following methods can help you out:
Cheque Book
The cheque book issued by Punjab National Bank includes the IFSC Code printed on each cheque leaf. You can easily spot the code on the top section.
Passbook
Most banks, including Punjab National Bank branches in Jorhat and Jorhat, print the IFSC and MICR codes on the first page of the passbook.
Bank Website
Visit the official website of Punjab National Bank and go to the branch locator section. Then search for Garalijorhat or Jorhat to find the exact IFSC Code PUNB0059320.
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 maintains an updated database of all IFSC codes. Searching for Punjab National Bank and Jorhat will provide accurate information.
How to Use IFSC Code PUNB0059320 for Online Transfers?
If you have the IFSC Code PUNB0059320 for the Garalijorhat branch of Punjab National Bank in Jorhat, you can easily go ahead with fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code PUNB0059320. 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 PUNB0059320.
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 Garalijorhat in Jorhat, it may 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 Garalijorhat, 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 Jorhat manage their online transfers and cheque clearances easily.
Frequently Asked Questions (FAQs)
The IFSC Code is PUNB0059320.
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 K.D.Building,Rupahi-Ali located in Jorhat, Jorhat, Assam.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.