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 Bharalumukh branch in Kamrup, 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 Kamrup or anywhere in Assam can transfer funds instantly by using the correct IFSC Code PUNB0060420. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.
Details of IFSC Code for Punjab National Bank, Bharalumukh, Kamrup
Here are the main details that are associated with the IFSC Code PUNB0060420 of Punjab National Bank for its branch located in Kamrup, within the district of Guwahati in the state of Assam.
| Particulars | Details |
|---|---|
| Bank | Punjab National Bank |
| IFSC Code | PUNB0060420 |
| Branch | Bharalumukh |
| City | Kamrup |
| District | Guwahati |
| State | Assam |
| Address | A.T.Road, |
These details helps 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 PUNB0060420 for the Bharalumukh branch of Punjab National Bank plays a vital 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 Bharalumukh, Kamrup, Assam, are given a unique IFSC like PUNB0060420 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 Bharalumukh 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 PUNB0060420
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 Bharalumukh in Kamrup.
For example, the IFSC Code PUNB0060420 of Punjab National Bank for the Bharalumukh 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?
To find the IFSC Code PUNB0060420 of Punjab National Bank for its Bharalumukh branch located in Kamrup, 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 Kamrup 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 go to the branch locator section. Then search for Bharalumukh or Kamrup to find the exact IFSC Code PUNB0060420.
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 Kamrup will provide accurate information.
How to Use IFSC Code PUNB0060420 for Online Transfers?
Once you have the IFSC Code PUNB0060420 for the Bharalumukh branch of Punjab National Bank in Kamrup, you can initiate your fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code PUNB0060420. Transfers are processed in batches. This is 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. Requires the recipient's account details and Punjab National Bank IFSC Code PUNB0060420.
Regardless of the method you choose, the accuracy of the IFSC Code is crucial. Any mistake in entering the IFSC Code for Punjab National Bank Bharalumukh in Kamrup may result in delayed or failed transactions.
Finding the MICR Code
MICR codes are used for cheque clearance and differ from IFSC codes. If you are looking for the MICR code of Punjab National Bank in Bharalumukh, here are some ways that 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.
If you know both IFSC and MICR codes, then it can help account holders in Kamrup manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code is PUNB0060420.
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 A.T.Road, located in Kamrup, Guwahati, Assam.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.