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 Moradabad, Ibb, Delhi Road branch in Moradabad, Moradabad, Uttar Pradesh, 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 Moradabad or anywhere in Uttar Pradesh can transfer funds instantly by using the correct IFSC Code PUNB0394200. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.
Details of IFSC Code for Punjab National Bank, Moradabad, Ibb, Delhi Road, Moradabad
Below in the table are the key details related to IFSC Code PUNB0394200 of Punjab National Bank for its branch located in Moradabad, within the district of Moradabad in the state of Uttar Pradesh.
| Particulars | Details |
|---|---|
| Bank | Punjab National Bank |
| IFSC Code | PUNB0394200 |
| Branch | Moradabad, Ibb, Delhi Road |
| City | Moradabad |
| District | Moradabad |
| State | Uttar Pradesh |
| Address | Moradabad |
These details helps users in online banking and for businesses and individuals who use Punjab National Bank in Moradabad for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code PUNB0394200 for the Moradabad, Ibb, Delhi Road 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 Moradabad, Ibb, Delhi Road, Moradabad, Uttar Pradesh, are allotted a unique IFSC like PUNB0394200 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Moradabad.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Moradabad and Moradabad.
- 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 Moradabad, Ibb, Delhi Road reaches the right place, even though there are thousands of branches in Uttar Pradesh and across India.
Format of the IFSC Code PUNB0394200
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): Show the bank code. For Punjab National Bank, these letters represent the bank's short name.
- 5th character: Is always zero and is kept for future use.
- Last 6 characters (CCCCCC): Represent the specific branch code assigned to branches such as Moradabad, Ibb, Delhi Road in Moradabad.
For example, the IFSC Code PUNB0394200 of Punjab National Bank for the Moradabad, Ibb, Delhi Road branch includes these elements, identifying the bank and the branch location in Moradabad and Uttar Pradesh accurately.
How to Find IFSC Code for Punjab National Bank?
To find the IFSC Code PUNB0394200 of Punjab National Bank for its Moradabad, Ibb, Delhi Road branch located in Moradabad, 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 Moradabad and Moradabad, 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 Moradabad, Ibb, Delhi Road or Moradabad to find the exact IFSC Code PUNB0394200.
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 Moradabad will provide accurate information.
How to Use IFSC Code PUNB0394200 for Online Transfers?
Once you have the IFSC Code PUNB0394200 for the Moradabad, Ibb, Delhi Road branch of Punjab National Bank in Moradabad, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code PUNB0394200. 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 PUNB0394200.
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 Moradabad, Ibb, Delhi Road in Moradabad, 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 Moradabad, Ibb, Delhi 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 Moradabad manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code is PUNB0394200.
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 Moradabad located in Moradabad, Moradabad, Uttar Pradesh.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.