Last updated on: August 6, 2025

Punjab National Bank IFSC Code: Your 2025 Guide

The Punjab National Bank (PNB) IFSC Code plays a crucial part in modern digital banking across India. With 2025 being even more digitally financially connected, it is more pertinent than ever to know how to find, use, and comprehend your PNB IFSC Code, whether you are sending money, paying bills, or using a new payment system. This is a detailed, practical guide that simplifies all the information you need to know, shares practical tips of real-life users, and answers the most frequently asked questions about PNB IFSC codes in 2025.

What is a Punjab National Bank IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code that uniquely identifies every branch of all Indian banks, including Punjab National Bank. The Reserve Bank of India (RBI) uses it to help electronic payment systems like NEFT, RTGS, and IMPS route transactions directly to the right branch and account.

E.g., the IFSC code of the PNB M.G. Road Bengaluru branch is PUNB0123400. As banking services in 2025 become more digital than ever, this code is your ticket to effortless money transfers online and offline.

What is the significance of the Punjab National Bank IFSC Code in 2025?

• Accuracy: Funds are sent to the right branch and account, despite the growth of digital banking
• Security: Reduces transaction errors and risk of fraud
• Convenience: It is needed to make most online payments, UPI, bill payments, and even some marketplace refunds
• Business Essential: Business essential to invoice, payroll, and vendor payment through online channels
• International Usage: Required in remittances and inward foreign transfer arrangements.

PNB IFSC Code Structure

Have you ever wondered what this 11 characters are? An example of decoding:
PUNB0241345

• First 4 characters: Bank code (here, ‘PUNB’ stands for Punjab National Bank)
• Fifth character: Always ‘0’ (Zero), reserved for future use
• Last 6 characters: Unique branch identifier (e.g., ‘241345’)

So, every branch has a unique IFSC code; the only shared part is the bank code (‘PUNB’).

How Do I Locate My Punjab National Bank IFSC Code?

In 2025, it is simple to locate your PNB IFSC code due to the digital progress. Here’s how:

1. In Your Chequebook or Passbook
   Check the top of any PNB cheque leaf or the first page of your passbook, it is normally printed next to the branch address or account details.

2. Punjab National Bank Website
   Head over to the PNB official website (www.pnbindia.in) and search for ‘Branch Locator’ or ‘IFSC search tool’. To get exact IFSC codes you can filter it by city, branch name or pin code.

3. RBI Website
   The Reserve Bank of India regularly updates the list of IFSC codes for all bank branches on its portal (rbi.org.in).

4. Internet Banking & Mobile Banking
   Sign in to your PNB One mobile app or the internet banking portal. Account details or profile information shows your branch IFSC.

5. Payment Apps and Online Marketplaces
   When you connect your PNB account to get a refund on Amazon, Flipkart, or any other online store, the necessary IFSC code is normally auto-populated or can be searched by branch.

6. Reaching Your Branch
   The IFSC code too can be obtained by a mere call or a visit to your branch.

The use of Punjab National Bank IFSC Code in Transactions

Having the IFSC code is not all that matters, but it is important to use it well, as funds transfer is becoming more common in 2025.

Steps for Online Fund Transfer (NEFT/RTGS/IMPS)

• Log in to your PNB net banking or PNB mobile banking app.
• Select ‘Add Beneficiary’ (if beneficiary details not saved already).
• Enter the name of the beneficiary, account number, and IFSC code as given.
• Verify information and input the amount of transfer.
• Authenticate the transaction (OTP or password).
• Get confirmation with transaction reference number.

Hint: It is always advisable to check the IFSC code twice- particularly the last 6 digits- to ensure that the money does not go to the wrong branch.

What in case I enter the wrong IFSC?

The wrong IFSC code may:

• Postpone your deal
• Make your money returned to you
• In some cases, transfer money to the wrong person when other information is also similar

In 2025, banks have enhanced error handling, but accuracy will never cost you time or stress.

Popular Punjab National Bank IFSC Codes

Here’s a quick reference table for some major cities (for demonstration):

Always check directly prior to making important payments as branch codes can alter with mergers or online upgrades.

What is the difference between IFSC, MICR, and SWIFT?

IFSC is primarily domestic digital transfer.

2025 note: As international money flows and digital cheques grow, all three codes are relevant to PNB customers based on the type of transaction.

Is it Safe to Share My PNB IFSC Code?

It is completely safe! The IFSC code is only useful in identifying a branch of a bank. It cannot be abused in isolation. Nevertheless, avoid sharing your sensitive information such as PIN, passwords, full account number with IFSC with unauthorized individuals.

What Has Changed with PNB IFSC Codes in Recent Years? (2023-2025 Overview)

• Mergers/Branch Upgrades: After mergers (like with Oriental Bank of Commerce and United Bank), some IFSC codes were updated to start with ‘PUNB’. Never miss to verify your post-2020s IFSC branch.
• Digital Mapping: IFSC codes are autofilled on more digital payment platforms using updated databases, which decreases errors.
• Real-Time Validation: The majority of banking applications now automatically highlight invalid IFSC code inputs.

Real-World Experiences: Applying PNB IFSC in 2025

Arjun’s Story:
“I had to refund my Amazon order in May 2025. It automatically validated my information on Amazon Pay by entering my PNB IFSC in the passbook. No manual check needed, and refund arrived quickly.”

Priya’s Experience:
“I received my salary through NEFT. The amount bounced back after the accounting team in my office used the wrong IFSC. I made a brief phone call to my branch and verified the new IFSC following the merger of the branch. Next month, I got paid on time.”

Mistakes in Using PNB IFSC Codes

• Using old IFSC after branch merger—check for updates!
• Interchanging ‘0’ (zero) with ‘O’ (letter O)
• Using Google with stale search results- always cross check
• Account setup of beneficiaries typing errors

Punjab National Bank IFSC code and Online Markets

Refunds to your bank account when you shop on popular online platforms will need the right IFSC. Sites such as Flipkart, Amazon and Myntra will automatically generate IFSC most of the time, although it is always best to verify, particularly in case you have recently transferred your account or changed branches.

Steps to Find and Use PNB IFSC Code: Table

Speedy Hints on 2025 Transactions

• In case of doubt, contact PNB customer care: 1800 180 2222
• Avoid copy-paste mistakes, particularly on mobile
• Change of branch: save updated IFSC code in your banking list
• Get instant IFSC information through SMS/WhatsApp banking of PNB

Summary Table: What is the PNB IFSC Code Needed?

TL;DR (Quick Recap)

• PNB IFSC code is an 11-character code that is assigned to each branch of PNB, and it is essential in digital transactions in 2025.
• Your IFSC code is available on your chequebook, passbook, the PNB site, the RBI portal, and in most payment apps/marketplaces.
• Use it to make NEFT, RTGS, IMPS, UPI, and refunds- both personal and business.
• Check accuracy following branch mergers or change of location and be cautious of typing mistakes.
• It is safe to share (but not your full account or passwords).

People Also Ask (FAQs)

Q1. What do the sections of a Punjab National Bank IFSC code represent?
The first 4 letters identify the bank (PUNB for Punjab National Bank), the 5th is always ‘0’, and the last 6 digits identify the branch.

Q2. Does my PNB IFSC code change after a merger?
Possibly, yes. New codes were assigned to some branches after mergers. Always check with your branch or at the official PNB site.

Q3. Do I have a choice of PNB IFSC code to use in my transactions?
No. You are required to enter the exact IFSC code of the branch in which you have the account.

Q4. Can I give my PNB IFSC code to others to receive money?
Yes, it is safe. It is impossible to misuse only an IFSC code.

Q5. What happens to my beneficiary IFSC when I move branches?
Remove the old beneficiary profile and add a new one with the right, updated IFSC code in your net banking or mobile app.

Q6. In case the PNB IFSC of the payee is wrong?
The transaction can be unsuccessful and the money can be reversed. Never act without checking.

Q7. What is the difference between PNB IFSC code and MICR/ SWIFT?
IFSC is used in the case of domestic digital transfers, MICR in the case of cheques, and SWIFT in the case of payments abroad.

Q8. Can digital wallets and online marketplaces be trusted to autofill IFSC?
Yes, mostly, but always check because databases can be out of date; particularly after branch upgrades.

These tips will help you use your Punjab National Bank IFSC code to make transactions easily in 2025 and beyond. Always verify, stay updated, and use digital tools for a worry-free experience!