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Punjab National Bank (PNB) is a PSU owned by the Government of India headquartered in New Delhi, India. Founded in 1894, this is the second-largest public sector bank (PSB) in India. It has multiple business segments and a vast network spread across the nation. The bank has more than 180 million customers and 10,910 branches. With an ATM network of 13,000+ post-merger, the bank has reflected exponential growth over the years.

PNB IFSC code is an alphanumeric code made up of 11 characters which help in easy identification of specific branches of the bank. The IFSC Code of PNB must be used by all PNB account holders who wish to send/transfer money online with the help of NEFT/RTGS/IMPS mechanisms. PNB customers must also provide IFSC code of their specific PNB branch. Account-holders can easily search for PNB IFSC code for their branch on reputed sites including Credit Mantri.

While initiating a bank transfer, it is critical to identify the beneficiary’s bank branch where the receiving account is held. IFSC code helps in sending and receiving money easily between two banks without any scope of error. Moreover, with the help of IFSC code, RBI can easily maintain a record of all the financial transactions that take place across the country. It allows in quick fund transfer in an error-free manner. IFSC is an essential component of banking in India since it ensures smooth banking transactions which can also be monitored easily.

Why are IFSC codes required?

Here are some of the main reasons why IFSC code is essential in banking across India:

  • Firstly, IFSC code allows easy identification of a particular bank branch anywhere in India.
  • IFSC code is a unique combination of numbers and alphabets which helps in error-free fund transfer at any time.
  • For online payments via RTGS, IMPS, and NEFT, IFSC code is essential in directing the funds to the right bank branch without any errors.
  • The fund transfer process has gained prominence in recent years since the introduction of the IFSC code as it has become safe and fast.
  • IFSC code allows for paperless transactions and hence encourages eco-friendly banking in today’s times.

Interpreting IFSC Codes of Punjab National Bank

As with all other banks, Punjab National Bank branches can be easily identified with the help of the unique IFSC code. The IFSC code of Punjab National Bank begins with PUNB and is followed by 7 digits. Thus, the format of Punjab National Bank’s IFSC code is PUNB0123456.

IFSC code represents the bank branch for all banks in India. It stands for Indian Financial System Code. With 11 characters, this combination of English alphabets and numbers is given to each bank branch by RBI. The first portion of the code represents the name of the bank. The usual format of IFSC code is ABCD1234567. With alphabetical characters at the beginning for bank code, the second part of IFSC code is usually set for branch code.

How to search for Punjab National Bank IFSC code?

If you are looking for the IFSC code for Punjab National Bank, here is how you can do it:

You can easily find the Punjab National Bank IFSC code online and offline. There are many websites including CreditMantri where you can look up the IFSC code for a specific Punjab National Bank branch. You will find a list of Punjab National Bank IFSC Code for all the branches. Here is how you can search for a specific branch IFSC code:

Step 1: Go to CreditMantri Website and navigate to IFSC code page. 

Step 2: Choose the state, district and bank branch

Step 3: The IFSC Code, MICR code, branch address and contact number will be shown once you key in the branch name

The Punjab National Bank IFSC code is also available on cheque leaflets issued by the Punjab National Bank branch. If you are not comfortable to look it up online, you can also reach out to the customer care department of Punjab National Bank and request for the IFSC code of a specific branch. Alternatively, you can walk in to any Punjab National Bank branch and request these details.

Importance of IFSC Code

The Reserve Bank of India assigns IFSC code to all bank branches. It is mainly used for money transfers done online and offline. It helps in easily identifying each bank branch which participates in processes like Real Time Gross Settlement (RTGS), National Electronic Fund Transfer (NEFT) and Centralised Funds Management System (CFMS).

For money transfers across bank accounts, online banking facilities like RTGS or NEFT are used. It can be done by adding the beneficiary’s bank details like account number, name and IFSC Code of the bank branch. After verification of the IFSC code, one can transfer funds to the beneficiary. All banks must print the IFSC code on cheques issued to the account holders.

Here are the various uses of IFSC Code. IFSC code ensures seamless fund transfer among banks and branches.

Funds Transfer: IFSC Code allows users to easily transfer funds in a matter of a few hours and at their convenience. They need to mention the beneficiary’s account number, specific branch name, exact and correct IFSC code for easy online money transfer.

Bill Payments: IFSC code has to be used for seamless bill payments like credit cards, etc. Users can do these transactions easily using their smartphones, laptops, etc.


1. How do I find IFSC Code for a specific Punjab National Bank branch?

You can easily find the IFSC code of PNB online or offline. If you are comfortable to look it up online, you can visit the RBI website or a reputed website like Credit Mantri. Here you will be able to search the IFSC code using the branch name. Alternatively, if you would like to search for it offline, you can find it on your cheque book issued by the PNB branch.

2. What is the CIF number and how can I find it for PNB?

Each bank in India has to maintain a computerized record which has all the information of all account holders. The information includes the account details, credit history, KYC details, etc of all account holders. This information is primarily used to examine the customer data at the time of issuing new credit and for many other reasons. CIF numbers could differ across banks and it is best to look it up on the PNB website.

3. Can I share IFSC code with anyone?

IFSC Code is a unique code given to each bank branch by RBI. It is compulsory to present it during any fund transfer requests that are done online across India. Each bank branch has a unique code and this ensures the safety and security of all transactions. You can share the IFSC Code with anyone, however, if it is shared for misuse or fraud then there could be negative consequences.

4. Why is IFSC code so important in the banking system?

IFSC Code is critical in the banking system primarily for all online transfer requests of funds across India. It ensures the instant transfer of funds using online modes like NEFT RTGS and IMPS. Fund transfer can be carried out safely and securely due to the presence of IFSC code.

5. Does RBI allocate IFSC code?

The Reserve Bank of India is the only authority in India which can allocate IFSC codes to all bank branches across the country.

6. Are Swift codes and IFSC codes the same?

No, both of these are different. IFSC code is required for funds transfer using systems like IMPS, NEFT and RTGS across India. Swift Code, on the other hand, is used for international funds transfer across banks.

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Latest & Update Ifsc Code Punjab National Bank News

Punjab national bank reforms the IFSC and MICR codes of its 2 subsidiary banks17 Jan 2022

After the amalgamation of the oriental bank of commerce and united bank of India with Punjab national bank the IFSC codes, debit cards, and internet banking of the existing users are changed and new IFSC codes are allocated. This change is reformed f...

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After the amalgamation of the oriental bank of commerce and united bank of India with Punjab national bank the IFSC codes, debit cards, and internet banking of the existing users are changed and new IFSC codes are allocated. This change is reformed from 1st April 2021 by the PUB. The oriental bank of commerce’s old IFSC code “ORBC” is replaced with PUNB. Henceforth the old IDs of the OBC Bank got invalid.

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