IFSC Code of Punjab National Bank, Agra Kamla Nagar, Distt. Agra Branch, Uttar Pradesh

Below are the complete branch details for Punjab National Bank, AGRA KAMLA NAGAR, DISTT. AGRA branch, located in AGRA, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0184200. 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 PUNB0184200 for Punjab National Bank – AGRA KAMLA NAGAR, DISTT. AGRA — 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, PUNB0184200 is the IFSC of Punjab National Bank's AGRA KAMLA NAGAR, DISTT. AGRA branch. The format is fixed: PUNB = bank code, 0 = reserved, 184200 = branch identifier.

Branch details at a glance

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Agra Kamla Nagar, Distt. Agra branch — IFSC PUNB0184200 — extends the bank's services to customers in and around Agra, Uttar Pradesh.

Agra Kamla Nagar, Distt. Agra branch overview

Located at AGRA KAMLA NAGAR,, the Agra Kamla Nagar, Distt. Agra branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0184200 is required for all interbank electronic transfers routed through this branch.

Why every Punjab National Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including AGRA KAMLA NAGAR, DISTT. AGRA of Punjab National Bank — its own 11-character IFSC. The code PUNB0184200 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC PUNB0184200 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC PUNB0184200

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 PUNB0184200 across all three.

How to use IFSC PUNB0184200 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's AGRA KAMLA NAGAR, DISTT. AGRA branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC PUNB0184200.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as AGRA KAMLA NAGAR, DISTT. AGRA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to AGRA KAMLA NAGAR, DISTT. AGRA

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's AGRA KAMLA NAGAR, DISTT. AGRA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0184200 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank AGRA KAMLA NAGAR, DISTT. AGRA (IFSC PUNB0184200)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0184200 in your mobile or internet banking app, and the money is credited to the AGRA KAMLA NAGAR, DISTT. AGRA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Agra Kamla Nagar, Distt. Agra

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 PUNB0184200:

• 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 AGRA KAMLA NAGAR, DISTT. AGRA is still linked to IFSC PUNB0184200.

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 PUNB0184200

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 – AGRA KAMLA NAGAR, DISTT. AGRA is still mapped to IFSC PUNB0184200. 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 PUNB0184200 and the beneficiary's account number to complete the transfer.

Account types you can open at the Agra Kamla Nagar, Distt. Agra branch

Once you have an account at Punjab National Bank – AGRA KAMLA NAGAR, DISTT. AGRA, the IFSC PUNB0184200 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Agra Kamla Nagar, Distt. Agra 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 PUNB0184200

MICR & cheque-truncation details

Cheques drawn on the Agra Kamla Nagar, Distt. Agra branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0184200 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Agra Kamla Nagar, Distt. Agra 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 PUNB0184200 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 – AGRA KAMLA NAGAR, DISTT. AGRA:

• The IFSC is exactly PUNB0184200 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 AGRA KAMLA NAGAR, DISTT. AGRA 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.

How to reach the Agra Kamla Nagar, Distt. Agra branch

The branch is located at AGRA KAMLA NAGAR,, which puts it inside Agra, the broader Agra district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Agra Kamla Nagar, Distt. Agra branch” — the verified location pin for IFSC PUNB0184200 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC PUNB0184200 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0184200 for Punjab National Bank – AGRA KAMLA NAGAR, DISTT. AGRA, 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 Agra Kamla Nagar, Distt. Agra 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 PUNB0184200 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0184200 belongs to Punjab National Bank's AGRA KAMLA NAGAR, DISTT. AGRA branch, located at AGRA KAMLA NAGAR, in AGRA, UTTAR PRADESH. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.