IFSC Code of Punjab National Bank, Almora, Distt. Almora ,Up Branch, Uttarakhand

Use this page as a one-stop reference for everything related to Punjab National Bank's ALMORA, DISTT. ALMORA ,UP branch in ALMORA, UTTARAKHAND. The branch's IFSC code PUNB0096200 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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, PUNB0096200 is the IFSC of Punjab National Bank's ALMORA, DISTT. ALMORA ,UP branch. The format is fixed: PUNB = bank code, 0 = reserved, 096200 = 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 Almora, Distt. Almora ,Up branch — IFSC PUNB0096200 — extends the bank's services to customers in and around Almora, Uttarakhand.

Almora, Distt. Almora ,Up branch overview

Located at MALL ROAD ALMORA, the Almora, Distt. Almora ,Up branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0096200 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 ALMORA, DISTT. ALMORA ,UP of Punjab National Bank — its own 11-character IFSC. The code PUNB0096200 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 PUNB0096200 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 PUNB0096200

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 PUNB0096200 across all three.

NEFT to Punjab National Bank, ALMORA, DISTT. ALMORA ,UP using IFSC PUNB0096200

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 PUNB0096200, and confirm that the system picks up Punjab National Bank – ALMORA, DISTT. ALMORA ,UP. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ALMORA, DISTT. ALMORA ,UP

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's ALMORA, DISTT. ALMORA ,UP branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0096200 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank ALMORA, DISTT. ALMORA ,UP (IFSC PUNB0096200)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0096200 in your mobile or internet banking app, and the money is credited to the ALMORA, DISTT. ALMORA ,UP branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Almora, Distt. Almora ,Up

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 PUNB0096200:

• 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 ALMORA, DISTT. ALMORA ,UP is still linked to IFSC PUNB0096200.

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 ALMORA, DISTT. ALMORA ,UP branch, the IFSC PUNB0096200 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 Almora, Distt. Almora ,Up branch is mapped to IFSC PUNB0096200 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 PUNB0096200.

Products and services

Customers walking into the Almora, Distt. Almora ,Up 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 PUNB0096200

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 PUNB0096200 and the account number together uniquely identify the Almora, Distt. Almora ,Up branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC PUNB0096200

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the ALMORA, DISTT. ALMORA ,UP 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 PUNB0096200 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 – ALMORA, DISTT. ALMORA ,UP:

• The IFSC is exactly PUNB0096200 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 ALMORA, DISTT. ALMORA ,UP 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 Almora, Distt. Almora ,Up branch

The branch is located at MALL ROAD ALMORA, which puts it inside Almora, the broader Almora district, and the state of Uttarakhand. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Almora, Distt. Almora ,Up branch” — the verified location pin for IFSC PUNB0096200 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 PUNB0096200 and your account number.

Verifying IFSC PUNB0096200 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 PUNB0096200 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 Almora, Distt. Almora ,Up 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 PUNB0096200 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0096200 belongs to Punjab National Bank's ALMORA, DISTT. ALMORA ,UP branch, located at MALL ROAD ALMORA in ALMORA, UTTARAKHAND. 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.