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Punjab National Bank

RAM NAGAR ,NAINITAL BRANCH

IFSC CODE
PUNB0388000
MICR Code 244024402
Branch Code 388000
City / District RAM NAGAR ,UTTRANCHAL
State UTTARAKHAND
Office Address PAITH PARAO, RAM NAGAR,DISTT NAINITAL
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 RAM NAGAR ,NAINITAL branch of Punjab National Bank, the code PUNB0388000 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 PUNB0388000 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 RAM NAGAR ,NAINITAL

Payment Systems Supported by PUNB0388000

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—244024402—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 RAM NAGAR ,UTTRANCHAL typically follows the RBI holiday calendar. Digital transfers via PUNB0388000 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 PUNB0388000 is the valid code for RAM NAGAR ,NAINITAL at RAM NAGAR ,UTTRANCHAL, ensure the beneficiary name matches perfectly in your mobile banking app.

RBI Verified NEFT Enabled RTGS 24x7

Bank Search Indexing & Metadata

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Branch Context

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  • • UTTARAKHAND Banking Circle

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