Punjab National Bank
RATLAM, DISTT. RATLAM ,MP BRANCH
Understanding IFSC Code: The Digital DNA of Punjab National Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the RATLAM, DISTT. RATLAM ,MP
branch of Punjab National Bank, the code PUNB0040900 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the PUNB0040900 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"PUNB" represents Punjab National Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for RATLAM, DISTT. RATLAM ,MP
Payment Systems Supported by PUNB0040900
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—457024002—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The Punjab National Bank in RATLAM typically follows the RBI holiday calendar. Digital transfers via PUNB0040900 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While PUNB0040900 is the valid code for RATLAM, DISTT. RATLAM ,MP at RATLAM, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • Punjab National Bank Branch List
- • RATLAM IFSC Codes
- • Swift Code for Punjab National Bank
- • Bank Holiday in MADHYA PRADESH
Financial Tools
- • GST Calculator Online
- • Personal Loan EMI Calc
- • FD Interest Rates 2026
- • Currency Converter
Branch Context
- • RATLAM, DISTT. RATLAM ,MP Contact
- • Address of Punjab National Bank
- • MICR Code Finder
- • MADHYA PRADESH Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
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