IFSC Code of Punjab National Bank, Adhe-Di-Hatti, Distt. Kangra , Branch, Himachal Pradesh

Below are the complete branch details for Punjab National Bank, ADHE-DI-HATTI, DISTT. KANGRA , branch, located in ADHE-DI-HATTI, HIMACHAL PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0302100. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case PUNB0302100 for Punjab National Bank – ADHE-DI-HATTI, DISTT. KANGRA , — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, PUNB0302100 is the IFSC of Punjab National Bank's ADHE-DI-HATTI, DISTT. KANGRA , branch. The format is fixed: PUNB = bank code, 0 = reserved, 302100 = branch identifier.

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Adhe-Di-Hatti, Distt. Kangra , branch in Adhe-Di-Hatti. 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, PUNB0302100.

Branch details at a glance

About this branch

The branch is located at VPO ADHE-DI-HATTI. It serves the Adhe-Di-Hatti region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Punjab National Bank. The IFSC PUNB0302100 is used to identify this branch on the RBI payments network.

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 ADHE-DI-HATTI, DISTT. KANGRA , branch came to be assigned the code PUNB0302100.

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 PUNB0302100, money simply cannot be routed to the ADHE-DI-HATTI, DISTT. KANGRA , branch electronically.

Products and account variants supported

Every account opened at the Adhe-Di-Hatti, Distt. Kangra , branch is mapped to IFSC PUNB0302100 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 PUNB0302100.

Products and services

Customers walking into the Adhe-Di-Hatti, Distt. Kangra , 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 PUNB0302100

How to transfer money using IFSC PUNB0302100

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 PUNB0302100 across all three.

NEFT to Punjab National Bank, ADHE-DI-HATTI, DISTT. KANGRA , using IFSC PUNB0302100

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 PUNB0302100, and confirm that the system picks up Punjab National Bank – ADHE-DI-HATTI, DISTT. KANGRA ,. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ADHE-DI-HATTI, DISTT. KANGRA ,

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's ADHE-DI-HATTI, DISTT. KANGRA , branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0302100 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Punjab National Bank – ADHE-DI-HATTI, DISTT. KANGRA ,, use IMPS. With IFSC PUNB0302100 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Adhe-Di-Hatti, Distt. Kangra ,

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 PUNB0302100:

• 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 ADHE-DI-HATTI, DISTT. KANGRA , is still linked to IFSC PUNB0302100.

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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Punjab National Bank's ADHE-DI-HATTI, DISTT. KANGRA , branch, the IFSC PUNB0302100 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Online banking and IFSC PUNB0302100

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the ADHE-DI-HATTI, DISTT. KANGRA , branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC PUNB0302100 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

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 PUNB0302100 and the account number together uniquely identify the Adhe-Di-Hatti, Distt. Kangra , branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – ADHE-DI-HATTI, DISTT. KANGRA ,:

• The IFSC is exactly PUNB0302100 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 ADHE-DI-HATTI, DISTT. KANGRA , 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 Adhe-Di-Hatti, Distt. Kangra , branch sits at VPO ADHE-DI-HATTI. If you are travelling from outside Adhe-Di-Hatti, 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 PUNB0302100 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0302100 for Punjab National Bank – ADHE-DI-HATTI, DISTT. KANGRA ,, 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 Adhe-Di-Hatti, Distt. Kangra , 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 PUNB0302100 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0302100 is the IFSC code of Punjab National Bank, ADHE-DI-HATTI, DISTT. KANGRA , branch, in ADHE-DI-HATTI, HIMACHAL PRADESH. 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.