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Punjab National Bank

LOHARGHAT, DISTT. KAMRUP ,ASSA BRANCH

IFSC CODE
PUNB0138200
MICR Code 782024502
Branch Code 138200
City / District LOHARGHAT
State ASSAM
Office Address LOHARGHAT (ASSAM)
Phone Not Available
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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 LOHARGHAT, DISTT. KAMRUP ,ASSA branch of Punjab National Bank, the code PUNB0138200 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 PUNB0138200 Code

An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:

First 4

Bank Identity

"PUNB" represents Punjab National Bank

5th Digit

Control Character

Always '0' (Reserved for future use)

Last 6

Branch Locator

Unique code for LOHARGHAT, DISTT. KAMRUP ,ASSA

Payment Systems Supported by PUNB0138200

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—782024502—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 LOHARGHAT typically follows the RBI holiday calendar. Digital transfers via PUNB0138200 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 PUNB0138200 is the valid code for LOHARGHAT, DISTT. KAMRUP ,ASSA at LOHARGHAT, ensure the beneficiary name matches perfectly in your mobile banking app.

RBI Verified NEFT Enabled RTGS 24x7

Bank Search Indexing & Metadata

Related Searches

  • • Punjab National Bank Branch List
  • • LOHARGHAT IFSC Codes
  • • Swift Code for Punjab National Bank
  • • Bank Holiday in ASSAM

Financial Tools

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Branch Context

  • • LOHARGHAT, DISTT. KAMRUP ,ASSA Contact
  • • Address of Punjab National Bank
  • • MICR Code Finder
  • • ASSAM Banking Circle

Platform Links

  • • Anand Design DevBox
  • • SEO Performance Hub
  • • Webmaster Tools
  • • IFSC Finder v2.0

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