IFSC Code of Punjab National Bank, Asadpur Kayam Distt.Aligarh Branch, Uttar Pradesh

Below are the complete branch details for Punjab National Bank, ASADPUR KAYAM DISTT.ALIGARH branch, located in ALIGARH, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0777000. 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 PUNB0777000 for Punjab National Bank – ASADPUR KAYAM DISTT.ALIGARH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – ASADPUR KAYAM DISTT.ALIGARH is PUNB0777000. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 777000 map to this branch in ALIGARH, UTTAR PRADESH.

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 Asadpur Kayam Distt.Aligarh branch — IFSC PUNB0777000 — extends the bank's services to customers in and around Aligarh, Uttar Pradesh.

Asadpur Kayam Distt.Aligarh branch overview

Located at 15,MANDAKINI COLONY,OPP.SWARAN JAYANTI NAGAR, the Asadpur Kayam Distt.Aligarh branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0777000 is required for all interbank electronic transfers routed through this branch.

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 ASADPUR KAYAM DISTT.ALIGARH branch came to be assigned the code PUNB0777000.

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 PUNB0777000, money simply cannot be routed to the ASADPUR KAYAM DISTT.ALIGARH branch electronically.

How to transfer money using IFSC PUNB0777000

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 PUNB0777000 across all three.

NEFT to Punjab National Bank, ASADPUR KAYAM DISTT.ALIGARH using IFSC PUNB0777000

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 PUNB0777000, and confirm that the system picks up Punjab National Bank – ASADPUR KAYAM DISTT.ALIGARH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ASADPUR KAYAM DISTT.ALIGARH

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's ASADPUR KAYAM DISTT.ALIGARH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0777000 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank ASADPUR KAYAM DISTT.ALIGARH (IFSC PUNB0777000)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0777000 in your mobile or internet banking app, and the money is credited to the ASADPUR KAYAM DISTT.ALIGARH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Asadpur Kayam Distt.Aligarh

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 PUNB0777000:

• 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 ASADPUR KAYAM DISTT.ALIGARH is still linked to IFSC PUNB0777000.

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 ASADPUR KAYAM DISTT.ALIGARH branch, the IFSC PUNB0777000 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.

Products and account variants supported

Every account opened at the Asadpur Kayam Distt.Aligarh branch is mapped to IFSC PUNB0777000 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 PUNB0777000.

Banking services available

The Asadpur Kayam Distt.Aligarh 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 PUNB0777000

MICR & cheque-truncation details

Cheques drawn on the Asadpur Kayam Distt.Aligarh branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0777000 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC PUNB0777000

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the ASADPUR KAYAM DISTT.ALIGARH 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 PUNB0777000 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.

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 – ASADPUR KAYAM DISTT.ALIGARH:

• The IFSC is exactly PUNB0777000 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 ASADPUR KAYAM DISTT.ALIGARH 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 Asadpur Kayam Distt.Aligarh branch sits at 15,MANDAKINI COLONY,OPP.SWARAN JAYANTI NAGAR. If you are travelling from outside Aligarh, 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 PUNB0777000 and your account number.

Verifying IFSC PUNB0777000 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm PUNB0777000 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on the branch contact number.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Asadpur Kayam Distt.Aligarh 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 PUNB0777000 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0777000 is the IFSC code of Punjab National Bank, ASADPUR KAYAM DISTT.ALIGARH branch, in ALIGARH, 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.