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. No matter, if you are sending money through NEFT, RTGS, or IMPS, the bank requires you to enter the correct IFSC Code so that your payment goes to the right branch. And if you are searching for the IFSC Code of Punjab National Bank for its A.T.Road branch in Kamrup, Guwahati, Assam, then this guide will give you detailed information.
The banking system has evolved significantly 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 PUNB0045520. 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, A.T.Road, Kamrup
The table below shows the main details of the IFSC Code PUNB0045520 for the Punjab National Bank branch in Kamrup, which falls under the Guwahati district in Assam.
| Particulars | Details |
|---|---|
| Bank | Punjab National Bank |
| IFSC Code | PUNB0045520 |
| Branch | A.T.Road |
| City | Kamrup |
| District | Guwahati |
| State | Assam |
| Address | A.T.Road,Guwahati |
These details are crucial, not just for online banking users but also for businesses and individuals who use Punjab National Bank in Kamrup for recurring financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code PUNB0045520 for the A.T.Road 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, an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, along with Punjab National Bank located in A.T.Road, Kamrup, Assam, are given a unique IFSC like PUNB0045520 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Kamrup.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents any kind of confusion between different branches of the same bank in places like Kamrup 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 helps ensure that any money sent to Punjab National Bank in A.T.Road goes to the correct branch. This is important because Punjab National Bank has thousands of branches in Assam and all over India, and the IFSC Code prevents payments from going to the wrong place.
Format of the IFSC Code PUNB0045520
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 A.T.Road in Kamrup.
For example, the IFSC Code PUNB0045520 of Punjab National Bank for the A.T.Road 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 PUNB0045520 of Punjab National Bank for its A.T.Road 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 A.T.Road or Kamrup to get the exact IFSC Code PUNB0045520.
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 PUNB0045520 for Online Transfers?
Once you have the IFSC Code PUNB0045520 for the A.T.Road 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 PUNB0045520. 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 PUNB0045520.
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 A.T.Road in Kamrup, your payment can get delayed or might not go through at all.
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 A.T.Road, 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 Kamrup manage their online transfers and cheque clearances easily.
Frequently Asked Questions (FAQs)
The IFSC Code of the A.T.Road Kamrup branch is PUNB0045520.
Yes, the IFSC Code remains the same unless the bank undergoes a merger or restructuring.
No. IFSC is used for online fund transfers, while MICR is used for cheque processing and clearance.
You can find it on cheque books, passbooks, bank websites, mobile banking apps, and the RBI website.
The branch is located at A.T.Road,Guwahati.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.