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Punjab National Bank

KOLENCHERY, DISTT ERNAKULAM BRANCH

IFSC CODE
PUNB0480500
MICR Code 682024201
Branch Code 480500
City / District KOLENCHERY
State KERALA
Office Address FIRST FLOOR, BLOCK NO.48, BLDGNO.V/437E
Phone Not Available
📍 View Branch on Google Maps

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 KOLENCHERY, DISTT ERNAKULAM branch of Punjab National Bank, the code PUNB0480500 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 PUNB0480500 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 KOLENCHERY, DISTT ERNAKULAM

Payment Systems Supported by PUNB0480500

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—682024201—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 KOLENCHERY typically follows the RBI holiday calendar. Digital transfers via PUNB0480500 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 PUNB0480500 is the valid code for KOLENCHERY, DISTT ERNAKULAM at KOLENCHERY, 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
  • • KOLENCHERY IFSC Codes
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Financial Tools

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Branch Context

  • • KOLENCHERY, DISTT ERNAKULAM Contact
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  • • MICR Code Finder
  • • KERALA Banking Circle

Platform Links

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

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