IFSC Code of Punjab National Bank, Ailum Kalan, Distt. Muzaffar N Branch, Uttar Pradesh

If you are searching for the IFSC code of Punjab National Bank, AILUM KALAN, DISTT. MUZAFFAR N branch in AILUM KALAN, DT MUZAFFARNAGAR, UP, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is PUNB0101300. 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 AILUM KALAN, DISTT. MUZAFFAR N branch, and detailed step-by-step guides for using the IFSC PUNB0101300 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Punjab National Bank's AILUM KALAN, DISTT. MUZAFFAR N branch, the IFSC PUNB0101300 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 101300 identifies this particular branch.

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Ailum Kalan, Distt. Muzaffar N branch in Ailum Kalan, Dt Muzaffarnagar, Up. 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, PUNB0101300.

Branch details at a glance

Ailum Kalan, Distt. Muzaffar N branch overview

Located at VILL & PO AILUM KALAN, the Ailum Kalan, Distt. Muzaffar N branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0101300 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 AILUM KALAN, DISTT. MUZAFFAR N of Punjab National Bank — its own 11-character IFSC. The code PUNB0101300 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 PUNB0101300 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Ailum Kalan, Distt. Muzaffar N branch is mapped to IFSC PUNB0101300 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 PUNB0101300.

Banking services available

The Ailum Kalan, Distt. Muzaffar N branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC PUNB0101300

How to transfer money using IFSC PUNB0101300

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 PUNB0101300 across all three.

NEFT to Punjab National Bank, AILUM KALAN, DISTT. MUZAFFAR N using IFSC PUNB0101300

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 PUNB0101300, and confirm that the system picks up Punjab National Bank – AILUM KALAN, DISTT. MUZAFFAR N. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to AILUM KALAN, DISTT. MUZAFFAR N

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's AILUM KALAN, DISTT. MUZAFFAR N branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0101300 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank AILUM KALAN, DISTT. MUZAFFAR N (IFSC PUNB0101300)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0101300 in your mobile or internet banking app, and the money is credited to the AILUM KALAN, DISTT. MUZAFFAR N branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC PUNB0101300 for Punjab National Bank – AILUM KALAN, DISTT. MUZAFFAR N, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Ailum Kalan, Distt. Muzaffar N branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

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 AILUM KALAN, DISTT. MUZAFFAR N branch, the IFSC PUNB0101300 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 PUNB0101300

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the AILUM KALAN, DISTT. MUZAFFAR N 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 PUNB0101300 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 & cheque-truncation details

Cheques drawn on the Ailum Kalan, Distt. Muzaffar N branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0101300 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – AILUM KALAN, DISTT. MUZAFFAR N:

• The IFSC is exactly PUNB0101300 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 AILUM KALAN, DISTT. MUZAFFAR N 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 Ailum Kalan, Distt. Muzaffar N branch sits at VILL & PO AILUM KALAN. If you are travelling from outside Ailum Kalan, Dt Muzaffarnagar, Up, 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 PUNB0101300 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0101300 for Punjab National Bank – AILUM KALAN, DISTT. MUZAFFAR N, 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.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Ailum Kalan, Distt. Muzaffar N branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0101300, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0101300 is the IFSC code of Punjab National Bank, AILUM KALAN, DISTT. MUZAFFAR N branch, in AILUM KALAN, DT MUZAFFARNAGAR, UP, UTTAR 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.