IFSC Code of Punjab National Bank, Abohar Gaushala Road Branch, Punjab

If you are searching for the IFSC code of Punjab National Bank, ABOHAR GAUSHALA ROAD branch in ABOHAR, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is PUNB0344900. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the ABOHAR GAUSHALA ROAD branch, and detailed step-by-step guides for using the IFSC PUNB0344900 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Punjab National Bank – ABOHAR GAUSHALA ROAD is PUNB0344900. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 344900 map to this branch in ABOHAR, PUNJAB.

Branch details at a glance

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Abohar Gaushala Road branch in Abohar. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, PUNB0344900.

About the Abohar Gaushala Road branch

The Abohar Gaushala Road branch of Punjab National Bank is situated at GAUSHALA ROAD. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code PUNB0344900 is used.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Punjab National Bank's ABOHAR GAUSHALA ROAD branch came to be assigned the code PUNB0344900.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC PUNB0344900, money simply cannot be routed to the ABOHAR GAUSHALA ROAD branch electronically.

How to transfer money using IFSC PUNB0344900

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC PUNB0344900 across all three.

NEFT to Punjab National Bank, ABOHAR GAUSHALA ROAD using IFSC PUNB0344900

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC PUNB0344900, and confirm that the system picks up Punjab National Bank – ABOHAR GAUSHALA ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ABOHAR GAUSHALA ROAD

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's ABOHAR GAUSHALA ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0344900 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank ABOHAR GAUSHALA ROAD (IFSC PUNB0344900)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0344900 in your mobile or internet banking app, and the money is credited to the ABOHAR GAUSHALA ROAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Abohar Gaushala Road

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC PUNB0344900:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at ABOHAR GAUSHALA ROAD is still linked to IFSC PUNB0344900.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC PUNB0344900

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Punjab National Bank – ABOHAR GAUSHALA ROAD is still mapped to IFSC PUNB0344900. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC PUNB0344900 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Abohar Gaushala Road branch is mapped to IFSC PUNB0344900 on the RBI payments network. The branch generally supports the full retail product catalogue of Punjab National Bank, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains PUNB0344900.

Products and services

Customers walking into the Abohar Gaushala Road branch can access most of Punjab National Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC PUNB0344900

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Punjab National Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC PUNB0344900 and the account number together uniquely identify the Abohar Gaushala Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Abohar Gaushala Road branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC PUNB0344900 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Punjab National Bank – ABOHAR GAUSHALA ROAD:

• The IFSC is exactly PUNB0344900 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Punjab National Bank as the bank name and ABOHAR GAUSHALA ROAD as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Reaching the branch

The Abohar Gaushala Road branch sits at GAUSHALA ROAD. If you are travelling from outside Abohar, search for the branch on a maps application using the bank name and locality, or call the branch contact number to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC PUNB0344900 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0344900 for Punjab National Bank – ABOHAR GAUSHALA ROAD, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Abohar Gaushala Road are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to PUNB0344900 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0344900 is the IFSC code of Punjab National Bank, ABOHAR GAUSHALA ROAD branch, in ABOHAR, PUNJAB. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.