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 Kanjikode (Ssi) branch in Nh Road, Kanjikode West, Palakkad, Kerala, 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 Nh Road, Kanjikode West or anywhere in Kerala can transfer funds instantly by using the correct IFSC Code PUNB0428700. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.
Details of IFSC Code for Punjab National Bank, Kanjikode (Ssi), Nh Road, Kanjikode West
The table below shows the main details of the IFSC Code PUNB0428700 for the Punjab National Bank branch in Nh Road, Kanjikode West, which falls under the Palakkad district in Kerala.
| Particulars | Details |
|---|---|
| Bank | Punjab National Bank |
| IFSC Code | PUNB0428700 |
| Branch | Kanjikode (Ssi) |
| City | Nh Road, Kanjikode West |
| District | Palakkad |
| State | Kerala |
| Address | Ssi Branch, Opp. Tata Keltron Ltd. |
These details are important not only for users using online banking but also for businesses and individuals who use Punjab National Bank in Nh Road, Kanjikode West for everyday financial transactions. If you are depositing money, sending payments, or managing any commercial transfers, the IFSC Code PUNB0428700 for the Kanjikode (Ssi) 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 Kanjikode (Ssi), Nh Road, Kanjikode West, Kerala, are allotted a unique IFSC like PUNB0428700 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Nh Road, Kanjikode West.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Nh Road, Kanjikode West and Palakkad.
- 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 Kanjikode (Ssi) reaches the right place, even though there are thousands of branches in Kerala and across India.
Format of the IFSC Code PUNB0428700
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 Kanjikode (Ssi) in Nh Road, Kanjikode West.
For example, the IFSC Code PUNB0428700 of Punjab National Bank for the Kanjikode (Ssi) branch includes these elements, identifying the bank and the branch location in Nh Road, Kanjikode West and Kerala accurately.
How to Find IFSC Code for Punjab National Bank?
If you are trying to find the IFSC Code PUNB0428700 of Punjab National Bank for its Kanjikode (Ssi) branch located in Nh Road, Kanjikode West, the following methods can help:
Cheque Book
The cheque book issued by Punjab National Bank includes the IFSC Code printed on each cheque leaf which you can easily spot on the top section.
Passbook
Most banks, including Punjab National Bank branches in Nh Road, Kanjikode West and Palakkad, print the IFSC and MICR codes on the first page of your passbook.
Bank Website
Visit the official website of Punjab National Bank and navigate to the branch locator section. Search for Kanjikode (Ssi) or Nh Road, Kanjikode West to get the exact IFSC Code PUNB0428700.
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 keeps an updated list of all IFSC codes. If you search for Punjab National Bank and Nh Road, Kanjikode West, you'll get the correct details.
How to Use IFSC Code PUNB0428700 for Online Transfers?
Once you have the IFSC Code PUNB0428700 for the Kanjikode (Ssi) branch of Punjab National Bank in Nh Road, Kanjikode West, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code PUNB0428700. 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 PUNB0428700.
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 Kanjikode (Ssi) in Nh Road, Kanjikode West, your payment can get delayed or might not go through at all.
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 Kanjikode (Ssi), here are some ways to obtain 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.
Having both the IFSC and MICR codes makes it easy for account holders in Nh Road, Kanjikode West to handle online money transfers and get their cheques cleared smoothly.
Frequently Asked Questions (FAQs)
The IFSC Code is PUNB0428700.
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 Ssi Branch, Opp. Tata Keltron Ltd. located in Nh Road, Kanjikode West, Palakkad, Kerala.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.