Punjab National Bank
RAMGARH DISTT PANCHKULA BRANCH
+918146079072
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 RAMGARH DISTT PANCHKULA
branch of Punjab National Bank, the code PUNB0982500 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 PUNB0982500 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 RAMGARH DISTT PANCHKULA
Payment Systems Supported by PUNB0982500
| 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—160024089—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 RAMGARH typically follows the RBI holiday calendar. Digital transfers via PUNB0982500 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 PUNB0982500 is the valid code for RAMGARH DISTT PANCHKULA at RAMGARH, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
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Financial Tools
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Branch Context
- • RAMGARH DISTT PANCHKULA Contact
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Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
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