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 Ambikagiri Nagar branch in Kamrup, Guwahati, or Assam, 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 Kamrup or anywhere in Assam can transfer funds instantly by using the correct IFSC Code PUNB0139620. 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, Ambikagiri Nagar, Kamrup
The table below shows the main details of the IFSC Code PUNB0139620 for the Punjab National Bank branch in Kamrup, which falls under the Guwahati district in Assam.
| Particulars | Details |
|---|---|
| Bank | Punjab National Bank |
| IFSC Code | PUNB0139620 |
| Branch | Ambikagiri Nagar |
| City | Kamrup |
| District | Guwahati |
| State | Assam |
| Address | R.G.Barua Rd,Gauhati781024 |
These details help users in online banking and for businesses and individuals who use Punjab National Bank in Kamrup for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code PUNB0139620 for the Ambikagiri Nagar 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, which is an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, including Punjab National Bank located in Ambikagiri Nagar, Kamrup, Assam, is provided a unique IFSC like PUNB0139620 so that their online payments reach the right place.
The IFSC Code is important because:
- It uniquely recognizes the Punjab National Bank branch in Kamrup.
- 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 Kamrup and Guwahati.
- 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 Assam and the rest of India, the IFSC Code ensures that transactions meant for Punjab National Bank in Ambikagiri Nagar do not get misguided to another person.
Format of the IFSC Code PUNB0139620
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 Ambikagiri Nagar in Kamrup.
For example, the IFSC Code PUNB0139620 of Punjab National Bank for the Ambikagiri Nagar branch includes these elements, identifying the bank and the branch location in Kamrup and Assam accurately.
How to Find IFSC Code for Punjab National Bank?
If you are looking for the IFSC Code PUNB0139620 of Punjab National Bank for its Ambikagiri Nagar branch located in Kamrup, the following methods can help:
Cheque Book
The cheque book that is issued by Punjab National Bank includes the IFSC Code printed on each cheque leaf. You can easily spot the code at the top section.
Passbook
Most of the banks, including Punjab National Bank branches in Kamrup and Guwahati, print the IFSC and MICR codes on the first page of the passbook.
Bank Website
You can visit the official website of Punjab National Bank and look for the branch locator section, then search for Ambikagiri Nagar or Kamrup to get the exact IFSC Code PUNB0139620.
Mobile Banking App
If you use Punjab National Bank's mobile app, you can check your account details to easily find your branch's IFSC code.
RBI Website
The Reserve Bank of India has an updated database of all IFSC codes and if you are searching for Punjab National Bank and Kamrup, then it will provide you proper information.
How to Use IFSC Code PUNB0139620 for Online Transfers?
Once you have the IFSC Code PUNB0139620 for the Ambikagiri Nagar branch of Punjab National Bank in Kamrup, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code PUNB0139620. The transfer is completed in batches instead of instantly. It is useful for both 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 PUNB0139620.
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 Ambikagiri Nagar in Kamrup, 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 Ambikagiri Nagar, 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 Kamrup manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code is PUNB0139620.
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 R.G.Barua Rd,Gauhati781024 located in Kamrup, Guwahati, Assam.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.