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Punjab National Bank IFSC Code

The country's central bank (RBI) has specified three ways in which we can remit money. These include the popular NEFT, RTGS and IMPS. However, to undertake these transactions, we must have the IFSC Code allotted by RBI to each bank and the specified branch.

The Punjab National Bank IFSC Code is an 11-digit alphanumeric code having special 4 characters, 'PUNB', stand for the name of the bank, the fifth character is always 'zero' for future use and the final six characters specify the 'exact branch address'.

How to Search for Punjab National Bank IFSC Codes?

If you are searching for the IFSC code of your home branch, you can use two mechanisms to search. In the offline mode you will find it written on your cheque book, which has been given to you by the Punjab National Bank branch. If you are looking for online IFSC Code of Punjab National Bank you can find here in Goodreturns.

State Wise Punjab National Bank IFSC & MICR Code

About Punjab National Bank

Punjab National Bank (PNB) is the second largest bank in the country in terms of branches. PNB was formed in May, 1894, which makes it an almost 122 year old bank in the country.

Today, the bank has emerged among the reputed banks in the country with a very wide spread bank network. There are many branches of PNB, to transfer money from one branch to the other, you should have IFSC codes of PNB.

History of PNB

The first branch of Punjab National Bank was opened in the 1895. Since then the bank has never looked back.

Interestingly, the bank declared a dividend of 4 per cent, in the first seven months of operations. While, the first branch was opened in Lahore, the second was opened in Rawalpindi in 1900.

PNB has served the masses of the country in the almost 122 years of its existence. It has also been proud to serve leaders like Jawahar Lal Nehru, Gobind Ballabh Pant, Lal Bahadur Shastri, Rafi Ahmed Kidwai, Smt. Indira Gandhi are leaders who have banked with Punjab National Bank.

Do not forget to visit the IFSC codes section of PNB for sending and receiving money.

In July 1969, PNB was nationalized. Today, the government of India holds a maximum stake in the bank. For the last many years, the bank has had an impeccable track record in the timely payment of dividend.

Lately, the bank has been facing some problems, regarding non performing assets. However, as the economy recovers it is hoped that there would be recovery in the asset quality of the bank.

Search for PNB IFSC Code

Our user friendly portal allows you to search for the IFSC code, through the State and the branch. We have covered almost all of the branches of PNB and will keep updating the same. You first need to key in the name of a particular bank, followed by the find bank option.

GoodReturns.in not only provides, the IFSC codes for Punjab National Bank, but, also for almost all of the commercials banks in the country.

Where to find the list of PNB IFSC codes?

There are a number of places where you can find the list of PNB IFSC codes.

One of the best places is your cheque book. If you look at your PNB cheque book carefully, you will observe that each of the cheque leaves have the IFSC codes of PNB written on the same. There are various other places where you will get the IFSC code of PNB and one of them is your Punjab National Bank passbook. Of course, in this time and age the best place to locate it would be through the various websites in the country. We at goodreturns.in have also provided a very comprehensive list of all of the IFSC codes of PNB in the country. These are very much updated and can be used as a reference. It is best to bookmark websites like ours, which will come in handy in the days to come. Remember, always verify the correct IFSC code before remitting money.

What if PNB adds to new branches?

Whenever PNB adds new branches, we update the list of PNB IFSC Codes to reflect the new branches. Say for example, if Punjab National Bank has added a new branch in the state of Uttar Pradesh. We add that new branch IFSC Code. It is important to add all branches and have an update of these as soon as is possible to help readers with the latest IFSC Codes. Normally, the IFSC Codes of PNB branches and other branches would never change and it is more or less permanent. The RBI allows new branches to every bank and the government owned banks have been rapidly expanding especially in the unbanked areas, to enable that banking reaches all. Punjab National Bank being one of the top lenders in the country has also facilitated the process of banking for all and has made great strides in setting up branches through the length and breadth of the country. Hence, if you are looking to the list of IFSC Codes of PNB do not forget to visit our website, which is updated as and when the need is felt to reflect the branches.

Identifying the IFSC Codes of PNB

The IFSC Codes, whether of Punjab National Bank or any other branch depends on the RBI. However, the initial codes for each branch will remain the same, while the branch code changes.

So, each time a new branch comes on we have the IFSC Codes of that bank being issued. For example, recently banks like Airtel Bank was launched. These are not commercial banks, but, largely payments banks. Off late there are no licences that were issued by the Reserve Bank of India.

Every bank and branch has its own unique IFSC code. So, every PNB branch has its own code. So, State Bank of India also has its own code. These days there are so many banks, that each of them you should know. One thing is you cannot transfer money unless you know these and this is particularly true for NEFT and RTGS transactions. It is important to remember that you also need the IFSC code for IMPS transfer.

Registering with PNB for sending NEFT and RTGS amounts

You need to register with Punjab National Bank for sending money through NEFT and RTGS. the first thing that one needs to do is apply for net banking. Once your net banking is done, you would be able to see "transfer funds".

Under that you can either send to an existing account or you can add a beneficiary. To add a beneficiary, you first need to check the IFSC codes and the exact account number. Thereafter, you can add a beneficiary.

The bank will then provide some security features to confirm the beneficiary, which is an added security measure. Once the same is added you can send money to the account using the IFSC Codes mentioned and the PNB internet banking account. The process is not cumbersome, though it should take time for registration of the beneficiary.

In any case, by chance if the IFSC code is wrong, PNB would remit the amount back and there are no worries.

What to do if your IFSC Codes is wrong?

It is highly possible at times that the IFSC Codes that you have of PNB is wrong. It such cases when you try to remit the money it would not go through. So, what you need to do is approach the Punjab National Bank branch and inform him of the same. Also, in some cases it may be highly possible that you just do not get the bank branch at all. In all such cases, what you need to do is contact the branch. At times, the IFSC Codes list of PNB branches may not be updated, in which case, you should find a way to look at other ways to fund the updated list. The best way would be to visit the branch of PNB and source the exact IFSC Code from them.

How long does it take to register a beneficiary by Punjab National Bank?

Once you have logged in and created your internet banking account, you have to register the beneficiary by using the IFSC Code, name of the beneficiary etc. Now, different banks have a different time period to register a beneficiary. Some do it quickly, while others take a few hours, while still others may take some time.

Make sure that you register a beneficiary with their IFSC account, when you have to make regular payments. Let us give an example. When there is a need to make payment for say a payment like credit card, which is every month, there is a need to make payments at regular intervals. So, you need to register the beneficiary through your PNB account. For this you need your internet banking account, which is a must. In case you do not have one, you can approach the branch to get all the details of the same.

What is the Relation Between Punjab National Bank branch code and IFSC code?

Punjab National Bank is one of the banks which are in existence before India got Independence. As of now, PNB has nearly seventThousand branches and almost ten thousand ATMs in more than seven hundred and fifty cities. The bank has nearly eight crore customers and has branches in other countries as well such as Hong Kong, Dubai, Kabul, etc. The founder of Punjab National Bank was Lala Lajpat Rai. He was a freedom fighter and popularly known as Punjab Kesari. This bank came into existence in 1984.

If we see the IFSC code of Punjab National Bank for all the branches, the IFSC code starts with PUNB and then the number will change accordingly. To understand this, we need to know how IFSC code is determined or assigned for a bank.

If we see the IFSC code, there will be 11 alpha-numeric code of which the first four will be alphabets, and those alphabets are bank code. And for Punjab National Bank the bank code is PUNB. The fifth character will be zero; This is zero because this is a slot which is kept for future use and the remaining six digits represents the bank code which explains the exact location of the branch.

Do we need IFSC Code if we are transferring money using MMID?

Punjab National Bank has offered a lot of services to its customers to make banking easy for them. Services such as mobile banking, Internet Banking, recently Punjab National Bank has launched its official UPI App as well called as PNB UPI app. This app can be downloaded from your respective mobile stores.

To know if PNB IFSC Code is required in transferring money using MMID. First, we need to know what is MMID and how it works?

MMID full form is Mobile Money Identification Number, and it is a part of IMPS (Immediate Payment Service). Basically, in IMPS there are two types of services one is using MMID, and the other is using account number.

Using MMID service means in this service firstly you need to generate your MMID code by visiting your bank or by Internet banking service. Once your MMID is generated. Anyone can send you money by keying in your MMID and mobile number. In this service, IFSC code is not needed. In case you want to send money MMID the recipient should have pre-generated MMID.

Using Account Number service is like sending money in the traditional way. Here you will be sending money using the recipient's account number and IFSC code of his bank branch. This is very simple and an easy process.

Delay in using NEFT and RTGS transfer through PNB IFSC Code?

You can use the IFSC Code to send and receive money, but, what if there is a delay after you send the money to a Punjab National Bank branch. In such case, you have to contact your branch. Sometimes, it may take a couple of hours to transfer the money and the beneficiary to receive the amount. However, at times it may take even longer than that. In such cases what you need to do is check and check again, if the PNB IFSC Code that you have furnished is correct. Today, there are so many branches of the IFSC Code, however, there are unlikely to change the code. In fact, they might eliminate the same altogether, if the branch itself has closed.

What is the role of PNB IFSC Code for making fund transfer?

The method of money transfer has become easy and flexible with the introduction of payment mechanisms such as NEFT, RTGS, and IMPS. The proper use of the IFSC is one thing which is common in all these payment structures. Let us read more about these methods of payment. 


  • For the benefit of citizens, NEFT was established by the RBI as it facilitates the transfer of through electronic mode between banks. NEFT is centered on the Deferred Settlement Basis and the funds are settled in batches. 
  • NEFT operates 24 * 7 but the money is credited in batches into the beneficiary's account. 
  • The amount of money to be transferred by the NEFT as per the RBI is not capped.


  • RTGS can be described as a method for the transfer of funds in which the transfer of funds is carried out instruction by instruction basis. In the case of the RTGS, unlike the NEFT, funds are settled in real-time. 
  • As per the RBI, RTGS has a set timing of service. These timings can be subtly different from bank to bank.
  • The RTGS mechanism is primarily designed for large-value transactions and hence there is no limit on fund transfer.


  • In the year 2012, IMPS a digital payment system launched by the NPCI. Due to its method of transfer of funds is carried out instantly in real-time, IMPS has gained prominence in a less period of time.
  • IMPS can be operated at any time based on the convenience of the customer. Unlike RTGS and NEFT. It functions 24*7 regardless of bank holidays in India.    

Where to find PNB IFSC Code?

To find the PNB IFSC, customers can use the services listed below.

Through PNB Cheque Book- By looking to a PNB cheque book issued by the PNB bank, account holders can find the IFSC Code of their branch. The cheque includes the IFSC stated at the top of the page and the MICR code at the bottom of the page.

Through PNB Passbook- On the front page of the passbook, the standard banking details of an account holder is specified. This key information contains the account number, the account holder's address, IFSC code of the respective bank branch. Hence, a passbook is handy when searching for an IFSC.

Through PNB Net Banking Portal- PNB provides the Netbanking facility to its customers to take advantage of multiple online banking facilities which they can reap from the comfort of their home or workplace as per their convenience. An account holder can therefore use the Netbanking facility to find the IFSC code of his / her respective branch.

Through PNB Mobile Banking app- PNB Mobile Banking also presents an option to search for the correct IFSC Code according to your branch. 

How to find PNB IFSC Code Online?

The comprehensive listing of PNB Bank's IFSC codes and its branches is required on the RBI website. Perhaps not only PNB Bank, but all of India's banks and their respective branches are identified on the authorised RBI website. The best online method for locating the IFSC code of each PNB bank branch is either third party finance websites or the bank's website respectively. Goodreturns.in includes a detailed table containing IFSC codes for PNB Bank branches across India. Through visiting the Goodreturns.in website, a customer of any bank can conveniently and reliably identify the IFSC and MICR code of their bank branch on a 24x7 basis. To find the IFSC and MICR code of any branch of PNB Bank, follow the steps mentioned below from your comfort. 

  • Visit Goodreturns.in website and click on the ‘Banking’ option from the top bar of the page
  • Now under the drop down menu of ‘Banking’ tab you need to click on the ‘IFSC Code’ option
  • Now on the next page you need to select the name of state, bank, city and branch 
  • Once done click on the ‘Find Bank’ button and you will get the details of IFSC Code, MICR Code, branch address, branch name and other relevant specifics of your selected branch.     


Magnetic Ink Character Recognition is the complete form of MICR Code. It is a specific code that is utilized in the banking sector to accelerate the cheque clearing process. In fund transfer operations, both the IFSC and MICR codes play a key role. The MICR Code consists of nine characters in such a way that:

  • The first three digits reflect the name of the city
  • The next three digits reflect the bank name
  • The last three digits reflect the branch

How and where I can find PNB MICR Code?

By following the below-covered ways customers of PNB can locate the MICR code of their specific branch:

PNB Cheque Book: In order to locate the MICR code of PNB, account holders can search it on the cheque book issued by the PNB.

PNB Passbook: During the opening of the account, one can refer to the passbook issued by the bank to locate the MICR Code of his / her respective bank branch

PNB Netbanking Portal: An account holder can use the Net Banking facility to search for the MICR Code.

PNB Mobile Banking Apps: An alternative to look for the appropriate PNB IFSC is also offered by PNB Mobile Banking. By logging into the app one can check the IFSC and MICR code of his / her specific branch. 


The SWIFT code forms of a mixture of digits which is used during international transactions to mark a branch of a bank. For each bank, SWIFT codes are specific and are the default form for BIC. The SWIFT Code consists of 8 to 11 digits, and to access the SWIFT Code, PNB customers need to contact the PNB customer support team. 

What is the difference between PNB IFSC, MICR and SWIFT Code?

By following the informations covered below, you can clearly understand the difference between IFSC, MICR and SWIFT Code of Punjab National Bank.


  • The Indian Financial System Code is the full form of the IFSC.
  • It is a specific 11-figure code used by specific bank branches to streamline the fund transfer process.
  • For all banking transactions in India, using of this code is mandated
  • This code varies across bank to bank and branch to branch


  • Magnetic Ink Character Recognition is the full form of MICR
  • The MICR Code is a 9-character code used in the digital clearing system to identify the banks and their branches concerned.
  • Like the IFSC, the MICR code is used around the nation to ease the transfer of funds


  • Society For Worldwide Interbank Financial Telecommunication is the full form of SWIFT code
  • The Swift Code consists of 8 to 11 digits that are used via the messaging system to transfer funds. The messaging mechanism enables specific banks to convey their economic insight
  • To exchange or transfer funds globally a SWIFT code is used

Real Time Gross Settlements (RTGS) / National Electronic Funds Transfer (NEFT)

The term 'RTGS' stands for Real Time Gross Settlement, which can be specified through an order by order basis (without netting) as the simultaneous (real-time) settlement of funds transfers separately. 'Real Time' implies the transfer of requests at the time they are received rather than at a subsequent time. 'Gross Settlement' means that the settlement of requests for the transfer of funds takes place separately (on the basis of instruction by instruction). Taking into account that the settlement of funds takes place in the records of RBI, thus the transfers are definitive and irrevocable. 

How RTGS is different from NEFT?

NEFT is an electronic transfer system of funds that works on the basis of a Deferred Net Settlement (DNS) that settles transactions in batches. In DNS, the settlement takes place until the specific cut-off period for all transactions takes place. In NEFT, these transactions are netted (payable and receivable), while in RTGS the transactions are independently settled. NEFT, for instance, actually runs in hourly batches. [There are twelve settlements on week days from 8 am to 7 pm and six settlements on Saturdays from 8 am to 1 pm.] Any transaction conducted after a given settlement period will have to wait for the next defined settlement time. Contrast to this, transactions in the RTGS are processed continuously during the working hours of the RTGS.      

Breakdown of PNB SWIFT Code

The Punjab National Bank (PNB) SWIFT Code can be used while transferring money abroad. The Punjab National Bank (PNB) INDIA Swift Codes are issued by the International Organization for Standardization (ISO). The Swift Code distinguishes branches of the Punjab National Bank (PNB) that participate in transactions of overseas funds. The Punjab National Bank (PNB) Swift code is a unique code for each division. PNB SWIFT Codes are used particularly for international wire transfers, as well as for exchanging other messages between banks. The Society for Worldwide Interbank Financial Telecommunication (SWIFT) is a standard type of Business Identifier Codes accepted by the International Organization for Standardization (ISO) (also known as ISO 9362, SWIFT-BIC, BIC code, SWIFT ID or SWIFT code). For both financial as well as non-financial institutions, it is a specific identification code. (A code can also be known as a Business Entity Identifier or BEI when assigned to a non-financial institution.) These codes are used for transferring funds among banks, especially for international wire transfers, and also for exchanging other messages among banks. Also, the codes can be identified on account statements. Basically, SWIFT and BIC codes are the same.   

SWIFT Codes are of 8 to 11 characters, for example:


Swift code (8 characters): PUNBINBB


Branch address: K-16 CONNAUGHT CIRCUS

Branch code: ISB

Bank name: Punjab National Bank

City: Delhi

Country: India

  • In the above example the first 4 letters ‘PUNB’ is the institution Code or bank code.
  • The next two letters ‘IN’ represents the country or generally, it is the country code
  • The next two letters ‘BB’ is the location code
  • If '0' is the second character, then, as opposed to a BIC used on the live network, it is generally a test BIC.
  • If '1' is the second character, then it signifies a passive SWIFT network's participant.
  • If "2" is the second character, it normally means a reverse billing BIC, where the recipient pays for the message as compared to the more common mode where the message is paid by the sender.
  • The last three digits ‘ISB’ represents the branch code
  • Where an 8-digit code is provided, it can be considered that it relates to the primary office or headquarter.

PNB Immediate Payment Service (IMPS)

IMPS, Immediate Payment Service, is among the one through which transfer of funds is done immediately, regardless of bank timings and holidays, functions much as a NEFT transfer. Using IMPS one needs an MMID and mobile number, or the bank account number and the IFSC code. Via online banking, mobile banking and also at ATMs, customers of PNB can use this service to transfer funds 24x7. Up to Rs.50,000 per day can be transferred through customers who want to use the IMPS supported by PNB. On a real-time basis, the funds will be transferred almost instantly. IMPS has no gaps, but in the event of emergencies, and transfers that need to be made quickly, this is one of the best fund transfer mechanisms. The bank will send a confirmation message once the transfer is completed. On the other side, the bank of the beneficiary should also deliver a confirmation to the beneficiary reminding them that the transaction is completed and that the amount has been transferred to their bank account. The IMPS facility is available for use by anyone with a bank account at the Punjab National Bank. They must have an online banking account with the bank if one wants to transfer funds through online banking. If one would like to utilise mobile banking, then he or she should be a registered user of Punjab National Bank Mobile Banking App. In other instances, to render the transaction, the customer can visit the nearest PNB ATM.      

Key benefits and advantages of PNB IMPS

The Immediate Payment Service is an easy way to quickly transfer funds and make payments from your bank account. IMPS provides users with a range of advantages. Many of the advantages include:

  • Among the most preferred and user-friendly fund transfer service
  • Transfer of funds to the beneficiary’s account carried out instantly
  • This service can also be used even after banking hours and bank holidays
  • 24x7x365 fund transfer service
  • Different aspects to carry out transactions, such as the internet , mobile, and ATM.
  • IMPS can be used by any customer with a bank account.
  • IMPS fund transfer service can be used by specifying some details such as MMID and mobile number, or bank account number and IFSC code.
  • Through IMPS one can only transfer up to a limit of Rs.50,000
  • Notifications of confirmation sent to both sender and receiver instantly.

Details of the beneficiary required to use IMPS

Depending on the method selected, the details you will need to get from the beneficiary to allow an IMPS transfer.

MMID method: A Mobile Money Identification Number is an MMID. It consists of 7 digits and is assigned to an account as an unique identifier. To identify the bank, the first four digits reflect an unique code. An ATM, mobile banking or internet banking can be used to create an MMID. You need the following details to render an IMPS transfer using the MMID method:

  • Name and mobile number of the beneficiary
  • MMID of the beneficiary

IFSC: Indian Financial System Code (IFSC) is an alphanumeric code used to define the bank and the branch of the bank to which the transfer of funds has to be made. You need the following details to make an IMPS transfer using the IFSC strategy:

  • Name, account number and IFSC code of the beneficiary

Procedure to transfer funds using PNB IMPS facility

Following the below listed 3 methods you can use IMPS fund transfer facility:

Net Banking: For making an IMPS transfer, there are two phases. You first have to add and activate the payee to your account. A one-time process is the first step. It will be preserved for future transactions once this is completed.

Steps to add beneficiary

  • Sign in to your PNB net banking account and select the ‘Manage Beneficiary’ option
  • Now from the drop-down list select “Add IMPS Payee”.
  • Now you need to enter the required details of the payee
  • Once you are done click on “Confirm new/modified beneficiary”.
  • Now you will get an OTP on your registered mobile number
  • Verify the OTP in order to authorise and add the payee

Steps to use IMPS transfer

You can take these measures to make the transfer once your beneficiary has been added:

  • Sign in to your PNB net banking account and click on ‘Transaction’
  • Now select “IMPS using IFSC” or “MMID” as per your choice
  • Enter the required details correctly to initiate the transaction and then click on ‘Continue’
  • Through using your transaction password and the OTP sent to your mobile number, you need to confirm the transaction. Only transfers over Rs.25,000 require OTP.    

Via mobile application

There are two methods to make an IMPS transfer with this process as well. You first need to link and approve the payee to your account for the same.

Steps to add beneficiary

  • Open the PNB mobile app and sign in to your account
  • Now tap on “Transfers” and then click on the “Manage Beneficiary” option.
  • Now tap on “Other banks” and then you will be asked to enter the details required.
  • Click on ‘Continue’ and specify the transaction password to add the payee successfully.

Steps to initiate IMPS transfer

Once your payee is successfully added you can follow the below listed steps in order to initiate the fund transfer request via IMPS.

  • Open the PNB mobile banking app and tap on “Transfers” once you sign in to your account
  • Now select from “IMPS using IFSC” or “MMID” as per your convenience and enter the required details in order to proceed further.
  • Now click on ‘Continue’ and authenticate your transaction using the transaction password in order to complete the process.


By using the steps below you can perform an IMPS transfer at an ATM:

Steps to add beneficiary

  • Visit your nearest PNB ATM and insert your debit cum ATM card into the card slot
  • Now tap on Fund Transfers” and select “Immediate Payment Service”
  • Now tap on “Registration” and then you will be asked to enter your mobile number
  • Once your mobile number is verified all bank accounts linked to your debit card will be displayed in the ATM screen.
  • Now opt the account that you want to use and tap on ‘Submit’
  • Upon a successful transaction, you will get a confirmation message on the screen.
  • And the MMID of your account will be printed on the receipt

Steps to initiate IMPS transfer

  • You can take these measures to make transfers once your beneficiary has been added: 
  • Visit your nearest PNB ATM and insert your debit cum ATM card into the card slot
  • Tap on ‘Fund Transfer’ and select “Immediate Payment Service”.
  • Now you will be asked to enter MMID and mobile number of the payee
  • Now enter the amount to be remitted and select the account type
  • Now all bank accounts linked to your debit card will be displayed in the ATM screen
  • Now opt the account that you want to use and tap on ‘Submit
  • Now confirm the beneficiary details and tap on ‘Proceed’
  • Upon a successful transaction, you will get a confirmation message on the screen.
  • For future reference, the printed receipt will have a reference number you have to keep handy.

Specifics required of the beneficiary for PNB IMPS

Depending on the method selected, the details you will need to get from the beneficiary to allow an IMPS transfer are:

MMID method: A Mobile Money Identification Number is termed as MMID. It comprises 7 digits and is linked to an account as a unique number. To identify the bank, the first four digits represent a unique code. An ATM, mobile banking or internet banking can be used to generate an MMID. You need the following details to render an IMPS transfer using the MMID mode:

  • Name of the recipient
  • MMID of the recipient
  • Mobile number of the recipient

IFSC method: Indian Financial System Code is termed in short as IFSC. IFSC code is an alphanumeric code used to classify the bank and the branch of the bank to which the transfer of funds has to be rendered. You need the following details to make an IMPS transfer using the IFSC mode:

  • Name of the recipient
  • Account type of the recipient
  • Account number of the recipient
  • IFSC code of the beneficiary’s bank branch

PNB Bank IMPS Charges

PNB offers Immediate Payment Service or IMPS to enable customers to transfer funds faster and on the go. IMPS is the real-time transaction method which takes less than 30 minutes to get the funds transferred in the account of the beneficiary. However, there are IMPS charges that must be considered by the customers of PNB before making the use of IMPS. The quickest fund transfer option available is IMPS or Immediate Payment Service. Mobile banking or internet banking services can be used to transfer funds via IMPS. 

A registered user of the PNB mobile application can generate for each account a special 7 digit code called the Mobile Money Identifier or MMID. This contains the unique code in the first four digits for the bank providing this service. This helps you to make transactions safely and with minimum error to beneficiaries who have an MMID. Upon installing the PNB mobile banking application, from an ATM or from the nearest PNB branch, you can get your MMID. You can access the services provided by PNB through different channels to get MMID in order to use IMPS such as:

  • PNB Mobile Banking
  • PNB Internet Banking
  • By visiting  nearest PNB bank branch offline
  • By visiting nearest PNB ATM offline

PNB IMPS Charges

The latest PNB IMPS charges are Rs.5 per transaction. But even on www.pnbindia.com, you can search some revised details on service charges at the Punjab National Bank. For all charges imposed on the IMPS services provided by PNB, GST is applicable.  

Key takeaways of PNB Bank IMPS service

For individuals who are on the run and reliant on online payment systems, IMPS services are perfect. This service has many characteristics and advantages which are as follows:

  • Real-time transfers that are settled within half an hour in the beneficiary's account.
  • 24/7 system that can be used even on Sundays and bank holidays.
  • Affordable PNB IMPS transaction fees
  • A flexible payment system that allows you to log in to your PNB mobile banking app or PNB online account, to register the details of the recipient, to enter the amount you want to transfer and to complete the process on the go.
  • Highly secure fund transfer method.
  • Low fault transaction method, as you can use the MMID and the beneficiary's mobile number in order to transfer funds.
  • In order to monitor the status of the transaction, the recipient and the sender will receive a transaction confirmation message via SMS along with a transaction reference number instantly.

PNB IMPS Limit  

Considering IMPS, as per the Punjab National Bank regulations, you can transfer up to Rs.50000 per day. You also have the luxury of making SMS or NUUT transfers. The cap per day is Rs.5000 in these conditions. The transaction cap per day is Rs.10000 if you make any transfers using an ATM.

Punjab National Bank MMID

Punjab National Bank has introduced its mobile banking service called PNB Mobile to make banking facilities which are convenient for customers. It is easy and comfortable, and can be run on different types of mobile phones. Why does this application prove to be helpful? To transfer money, make transactions and so on can be used through PNB Mobile. PNB Mobile exists in the format of an application that is known as mBanking. For fund transfers, customers who do not have a mobile can use the NUUP (National Unified USSD Platform) or SMS Banking service. The customer must have a PNB MMID in order to use SMS banking service. You can generate this code from the official portal of PNB or when you first use the mobile banking app of the bank. The mobile banking services offered by PNB are of huge importance to the customers of the bank. The services listed below have their own benefits that make banking transactions smoother and more safe.

PNB mBanking: It is a mobile banking app that was launched by PNB to provide all the banking related services to the mobile users or mobile banking customers of the bank. The use of mBanking enables customers to access different features of PNB banking such as transfer of money, mini statement, balance check, account details, and many more over a secure interface.  

NUUP Banking: It is considered to be a USSD-centered mobile banking service in which customers are allowed to use their mobile phone to access different banking facilities by dialling *99#. Customers can use facilities such as mini statement, balance enquiry, IFSC and MMID fund transfer, modification of M-Pin and create MMID using NUUP.

PNB SMS Banking: This option is for customers who do not have a mobile handset or internet services. For them, SMS Banking is the best choice to access services such as balance enquiry, account statement, mini statement, cheque stop payment order, cheque book application, MMID creation, transfers of IMPS funds, and so on.

PNB IMPS Service

NEFT-like Immediate Payment Service or IMPS acts but provides an immediate transfer of funds irrespective of holidays. In order to use PNB IMPS, details such as PNB MMID, along with a mobile number, must be valid. Transactions using IMPS with an IFSC code and bank account number can also be managed. Via mobile banking, online banking, or even via ATMs, you can use the facility to transfer funds 24/7.

Key takeaways of PNB IMPS Service

The IMPS facility is used as a convenient method for allowing real-time transfers of funds. This service's main characteristics include:

PNB Delhi Credit Card Vent,Back Off IFSC Code

Punjab National Bank NEFT, RTGS and IMPS codes can be found on this page. The code for PNB NEFT, RTGS and IMPS is similar to the IFSC code and is used for online banking. You need account information such as account number, name of the holder according to bank records, type of account and IFSC code to conduct these transactions. You can transfer funds using any of the three ways, i.e. IMPS, NEFT and RTGS, respectively. For different online fund transfers, this PNB Bank IFSC code can be used for the Delhi Credit Card Vent.Back Off branch. A 11 digit code used in online fund transactions is the PNB Delhi Credit Card Vent.Back Off IFSC code. This IFSC code comprises 4 characters representing the 5th character of Punjab National Bank, allocated for future use, and the last 6 characters reflect the branch code of Delhi Credit Card Vent.Back Off. Punjab National Bank has multiple branches in the country, and it is not possible to transfer physical cheques anywhere in the country to transfer money, so internet banking is favoured. To recognise the PNB Bank Delhi Credit Card Vent.Back Off that participates in online transactions via RTGS, IMPS and NEFT systems, the IFSC code PUNB0645400 is used. The IFSC code for PNB Delhi Credit Card Vent.Back Off can be found below.   

Bank: Punjab National Bank
Address: 12th Floor,atma Ram House 1,Tolstoy Marg New Delhi 110001
State: Delhi
City: Delhi
Location: Delhi Credit Card Vent Back Off
Pincode: 110001
Phone number: -
IFSC Code: PUNB0645400
Branch Code: 645400

PNB Bank Timings, Lunch Timings, Locker Timings

PNB is an Indian multinational banking and financial services firm, also known as Punjab National Bank. PNB Bank schedules must be known to customers who wish to visit the bank to perform their banking or non-banking transactions. Punjab National Bank has resumed regular working hours along with all banking facilities at the branch offices after the COVID-19 lockdown. The bank had to briefly bar certain non-essential facilities in the wake of the Coronavirus outbreak. All banking facilities are now accessible at the bank, including the issuing of passbooks, account opening, deposit and withdrawing of cash, cheque processing, cash transfers and government transactions, and exchange services. It is however strongly recommended that, unless it is completely required, one should not visit the bank. For most of its banking activities, the bank is also allowing its customers to use PNB Net Banking and PNB Mobile Banking services. It is recommended that customers entering the bank take the required measures concerning sanitisation and social distancing. The bank will not allow anyone without a face mask and proper sanitisation to access the branch.     

PNB Lunch Timings

Employees of the Punjab National Bank do not take their lunch in one go, but rather in lots. Without thinking about having it closed for lunch, customers can visit the bank. During its working hours, one can visit the bank at any time and obtain the total support of bank executives.

PNB Locker Timings

PNB is an international banking entity and  head office of the bank is in New Delhi, India. More than 80 million customers worldwide make use of the bank's facilities. Furthermore, the bank is among the oldest banking institutions, as it was incorporated under the Indian Companies Act on 19 May 1894 which makes it the most successful banks as well.  Only during the branch's operating hours customers who wish to use their lockers at Punjab National Bank can do so. For locker room visits, the PNB does not have a different slot. Future 'Safe Deposit Locker' customers can also apply for the service only within the operational time span of the bank, 

PNB Bank Timings

During office hours, customers and account holders can enter the bank to perform financial or non-financial transactions. Remember that on the 2nd, 4th Saturdays, Sundays, or public holidays, one should not visit the bank as the bank will stay closed on these instances.

  • PNB Bank Timings from Monday to Friday: 10:00 AM to 5:00 PM
  • PNB Bank Timings on 1st, 3rd, 5th Saturdays: 10:00 AM to 5:00 PM
  • PNB Bank Timings on 2nd, 4th Saturdays and Sundays of every month: Bank will stay closed on these days   

How to transfer funds from PNB to another bank online?

In the banking environment, the rise of e-commerce has practically revolutionised the formulation and implementation of banks in India. In many ways, it has made life much simpler for us - from conducting banking activities to online booking, train and air tickets, and shopping as well. Some of these, only at a touch, can be achieved from the convenience of our homes and workplace. Several decades prior, we couldn't even believe that, without requiring us to go out, we can transfer money from one bank to another, or from one bank to another. In this way, online transfers are really important in fulfilling two simple purposes: in addition to having the value of security, it saves a lot of time, which is compromised when you have to carry huge amounts of money from one place to the other. Punjab National Bank is one of the banks in India from which you can conveniently transfer funds electronically from one account to another. This bank has been recognised for delivering the latest technical innovations and friendly employee force with the best facilities, responding to the banking needs of a vast number of customers across the nation.    





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