IFSC Code of Punjab National Bank, Loharghat, Distt. Kamrup (Assa, Loharghat, Assam — PUNB0138200

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 Loharghat, Distt. Kamrup (Assa branch in Loharghat, Loharghat, 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 Loharghat or anywhere in Assam can transfer funds instantly by using the correct IFSC Code PUNB0138200. Knowing how the IFSC Code works can help you stay informed and avoid transfer errors.

Details of IFSC Code for Punjab National Bank, Loharghat, Distt. Kamrup (Assa, Loharghat

Here are the key points that are associated with the IFSC Code PUNB0138200 of Punjab National Bank for its branch located in Loharghat, within the district of Loharghat in the state of Assam.

These details are important not only for users using online banking but also for businesses and individuals who use Punjab National Bank in Loharghat for everyday financial transactions. If you are depositing money, sending payments, or managing any commercial transfers, the IFSC Code PUNB0138200 for the Loharghat, Distt. Kamrup (Assa branch of Punjab National Bank is vital.

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 Loharghat, Distt. Kamrup (Assa, Loharghat, Assam, are allotted a unique IFSC like PUNB0138200 to ensure that online payments reach the right destination.

The IFSC Code is important because:

• It clearly tells which bank branch it is in Loharghat.
• It helps NEFT, RTGS, and IMPS systems route the transfer securely.
• It prevents confusion between different branches of the same bank in places like Loharghat and Loharghat.
• 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 Loharghat, Distt. Kamrup (Assa reaches the right place, even though there are thousands of branches in Assam and across India.

Format of the IFSC Code PUNB0138200

The format of the IFSC Code for banks, including Punjab National Bank, follows an 11-character structure:

AAAA0CCCCCC

Here's the breakdown:

• First 4 characters (AAAA): These represent the bank code. In Punjab National Bank, they are a short identifier for the bank.
• 5th character (0): This is always zero and is reserved for future use.
• Last 6 characters (CCCCCC): These are what represent the specific branch code which is assigned to branches like Loharghat, Distt. Kamrup (Assa in Loharghat.

For example, the IFSC Code PUNB0138200 of Punjab National Bank for the Loharghat, Distt. Kamrup (Assa branch has these elements, identifying the bank and the branch location in Loharghat and Assam correctly.

How to Find IFSC Code for Punjab National Bank?

If you are trying to find the IFSC Code PUNB0138200 of Punjab National Bank for its Loharghat, Distt. Kamrup (Assa branch located in Loharghat, 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 Loharghat and Loharghat, 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 Loharghat, Distt. Kamrup (Assa or Loharghat to get the exact IFSC Code PUNB0138200.

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 Loharghat that will provide accurate information.

How to Use IFSC Code PUNB0138200 for Online Transfers?

Once you have the IFSC Code PUNB0138200 for the Loharghat, Distt. Kamrup (Assa branch of Punjab National Bank in Loharghat, you can initiate your fund transfers using any digital method:

NEFT

Add beneficiary details including the name, account number, and IFSC Code PUNB0138200. 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 PUNB0138200.

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 Loharghat, Distt. Kamrup (Assa in Loharghat 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 Loharghat, Distt. Kamrup (Assa, 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 Loharghat manage their online transfers and cheque clearances easily.