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 G.S.Road 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 PUNB0085320. 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, G.S.Road, Kamrup
Here are the main details that are associated with the IFSC Code PUNB0085320 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 | PUNB0085320 |
| Branch | G.S.Road |
| City | Kamrup |
| District | Guwahati |
| State | Assam |
| Address | Ulubari Charali Pol Pt,Guwahati |
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 PUNB0085320 for the G.S.Road 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, including Punjab National Bank located in G.S.Road, Kamrup, Assam, is provided with a unique IFSC like PUNB0085320 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It uniquely identifies the Punjab National Bank branch in Kamrup.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It avoids any errors or confusions between multiple branches of the same bank across different places like Kamrup and Guwahati.
- It reduces errors in fund transfers and improves accuracy.
- It allows sender banks to validate and confirm branch details before processing payments.
There are thousands of branches across Assam and the rest of India and the IFSC Code ensures that transactions meant for Punjab National Bank in G.S.Road do not get mixed with another location.
Format of the IFSC Code PUNB0085320
This is the format of the IFSC Code for banks, including Punjab National Bank, follows an 11-character structure:
AAAA0CCCCCC
Here's the explanation:
- First 4 characters (AAAA): This is the bank code. For Punjab National Bank, these characters are the bank's short identifier.
- 5th character (0): This stays zero till there is any future use.
- Last 6 characters (CCCCCC): These are specific branch code assigned to branches such as G.S.Road in Kamrup.
For example, the IFSC Code PUNB0085320 of Punjab National Bank for the G.S.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 trying to find the IFSC Code PUNB0085320 of Punjab National Bank for its G.S.Road branch located in Kamrup, 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 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 find the branch locator section. Search for G.S.Road or Kamrup to get the exact IFSC Code PUNB0085320.
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 Kamrup that will provide accurate information.
How to Use IFSC Code PUNB0085320 for Online Transfers?
If you have the IFSC Code PUNB0085320 for the G.S.Road branch of Punjab National Bank in Kamrup, you can easily go ahead with fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code PUNB0085320. 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 PUNB0085320.
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 G.S.Road in Kamrup, it may result in delayed or failed transactions.
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 G.S.Road, 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 PUNB0085320.
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 Ulubari Charali Pol Pt,Guwahati located in Kamrup, Guwahati, Assam.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.