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 Sareni branch in Rae Bareli, Lucknow, or Uttar Pradesh, 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 Rae Bareli or anywhere in Uttar Pradesh can transfer funds instantly by using the correct IFSC Code PUNB0196320. 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, Sareni, Rae Bareli
The table below shows the main details of the IFSC Code PUNB0196320 for the Punjab National Bank branch in Rae Bareli, which falls under the Lucknow district in Uttar Pradesh.
| Particulars | Details |
|---|---|
| Bank | Punjab National Bank |
| IFSC Code | PUNB0196320 |
| Branch | Sareni |
| City | Rae Bareli |
| District | Lucknow |
| State | Uttar Pradesh |
| Address | Sareni, |
These details help users in online banking and for businesses and individuals who use Punjab National Bank in Rae Bareli for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code PUNB0196320 for the Sareni 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, which is an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, including Punjab National Bank located in Sareni, Rae Bareli, Uttar Pradesh, is provided a unique IFSC like PUNB0196320 so that their online payments reach the right place.
The IFSC Code is important because:
- It uniquely recognizes the Punjab National Bank branch in Rae Bareli.
- Helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It avoids any confusions between multiple branches of the same bank across different places like Rae Bareli and Lucknow.
- It reduces most of the errors in fund transfers and makes sure its accuracy.
- It enables sender banks to validate and confirm branch details before processing payments.
For thousands of branches across Uttar Pradesh and the rest of India, the IFSC Code ensures that transactions meant for Punjab National Bank in Sareni do not get misguided to another person.
Format of the IFSC Code PUNB0196320
The format of the IFSC Code for banks, including Punjab National Bank, has 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 Sareni in Rae Bareli.
For example, the IFSC Code PUNB0196320 of Punjab National Bank for the Sareni branch includes these elements, identifying the bank and the branch location in Rae Bareli and Uttar Pradesh correctly.
How to Find IFSC Code for Punjab National Bank?
If you are trying to find the IFSC Code PUNB0196320 of Punjab National Bank for its Sareni branch located in Rae Bareli, 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 Rae Bareli and Lucknow, 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 Sareni or Rae Bareli to get the exact IFSC Code PUNB0196320.
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 Rae Bareli that will provide accurate information.
How to Use IFSC Code PUNB0196320 for Online Transfers?
If you have the IFSC Code PUNB0196320 for the Sareni branch of Punjab National Bank in Rae Bareli, you can easily go ahead with fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code PUNB0196320. 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 PUNB0196320.
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 Sareni in Rae Bareli, it 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 Sareni, 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 Rae Bareli to handle online money transfers and get their cheques cleared smoothly.
Frequently Asked Questions (FAQs)
The IFSC Code is PUNB0196320.
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 Sareni, located in Rae Bareli, Lucknow, Uttar Pradesh.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.