Use this page as a one-stop reference for everything related to Punjab National Bank's AMBALA-MMET MULANA COMPLEX branch in AMBALA, HARYANA. The branch's IFSC code PUNB0518210 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.
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 – AMBALA-MMET MULANA COMPLEX is PUNB0518210. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 518210 map to this branch in AMBALA, HARYANA.
About the bank
Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ambala-Mmet Mulana Complex branch in Ambala, Haryana is part of this network and uses the IFSC code PUNB0518210 for all electronic settlement.
Ambala-Mmet Mulana Complex branch overview
Located at MM COLLEGE OF D. S. R. MULANA COMPLEX, MULANA 133203, the Ambala-Mmet Mulana Complex branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0518210 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Ambala-Mmet Mulana Complex |
| IFSC Code | PUNB0518210 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MM COLLEGE OF D. S. R. MULANA COMPLEX, MULANA 133203 |
| City | Ambala |
| District | Ambala |
| State | Haryana |
| STD Code | 1731 |
| Phone | 274873 |
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 AMBALA-MMET MULANA COMPLEX of Punjab National Bank — its own 11-character IFSC. The code PUNB0518210 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 PUNB0518210 the same way you would treat your account number — verify it once and save it carefully for future use.
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 PUNB0518210 and the account number together uniquely identify the Ambala-Mmet Mulana Complex branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC PUNB0518210
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 PUNB0518210 across all three.
How to use IFSC PUNB0518210 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's AMBALA-MMET MULANA COMPLEX 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC PUNB0518210.
- Confirm the bank name auto-populates as Punjab National Bank and the branch as AMBALA-MMET MULANA COMPLEX.
- 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 AMBALA-MMET MULANA COMPLEX
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's AMBALA-MMET MULANA COMPLEX branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0518210 while initiating the transfer and the credit will appear within minutes.
IMPS to Punjab National Bank AMBALA-MMET MULANA COMPLEX (IFSC PUNB0518210)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0518210 in your mobile or internet banking app, and the money is credited to the AMBALA-MMET MULANA COMPLEX branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Ambala-Mmet Mulana Complex
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 PUNB0518210:
- 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 AMBALA-MMET MULANA COMPLEX is still linked to IFSC PUNB0518210.
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 AMBALA-MMET MULANA COMPLEX branch, the IFSC PUNB0518210 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 Ambala-Mmet Mulana Complex branch is mapped to IFSC PUNB0518210 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 PUNB0518210.
Products and services
Customers walking into the Ambala-Mmet Mulana Complex 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 PUNB0518210
Digital banking channels
Most day-to-day work that customers used to do at the Ambala-Mmet Mulana Complex 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 PUNB0518210 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.
How to reach the Ambala-Mmet Mulana Complex branch
The branch is located at MM COLLEGE OF D. S. R. MULANA COMPLEX, MULANA 133203, which puts it inside Ambala, the broader Ambala district, and the state of Haryana. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Ambala-Mmet Mulana Complex branch” — the verified location pin for IFSC PUNB0518210 should appear at the top of the results.
- Confirm the branch is open by calling 1731-274873 before stepping out, especially around public holidays.
- 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 PUNB0518210 and your account number.
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 – AMBALA-MMET MULANA COMPLEX:
- The IFSC is exactly PUNB0518210 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 AMBALA-MMET MULANA COMPLEX 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.
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 Ambala-Mmet Mulana Complex branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0518210, however, work 24x7.
Verifying IFSC PUNB0518210 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 PUNB0518210 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1731-274873.
- Visiting the bank's official branch locator page.
Branch address & contact
Punjab National BankAmbala-Mmet Mulana Complex Branch
MM COLLEGE OF D. S. R. MULANA COMPLEX, MULANA 133203
Ambala, Haryana
Phone: 1731-274873
IFSC: PUNB0518210
Frequently asked questions
How do I add Punjab National Bank Ambala-Mmet Mulana Complex as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0518210, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Punjab National Bank Ambala-Mmet Mulana Complex branch?
You can reach the branch at 1731-274873 during regular banking hours.
Can I use IFSC PUNB0518210 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0518210 to send funds instantly.
How quickly will an NEFT transfer using PUNB0518210 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Ambala-Mmet Mulana Complex reflect within 30 minutes.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Ambala-Mmet Mulana Complex branch but serve different purposes.
Is IFSC PUNB0518210 valid for NEFT and RTGS?
Yes. IFSC PUNB0518210 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Punjab National Bank Ambala-Mmet Mulana Complex branch located?
Punjab National Bank's Ambala-Mmet Mulana Complex branch is located at MM COLLEGE OF D. S. R. MULANA COMPLEX, MULANA 133203, Ambala, Haryana.
Is IFSC PUNB0518210 the same for all accounts at Ambala-Mmet Mulana Complex branch?
Yes. The IFSC PUNB0518210 is shared by every account held at Punjab National Bank's Ambala-Mmet Mulana Complex branch. Only the account number changes from customer to customer.
Summary
The IFSC code PUNB0518210 belongs to Punjab National Bank's AMBALA-MMET MULANA COMPLEX branch, located at MM COLLEGE OF D. S. R. MULANA COMPLEX, MULANA 133203 in AMBALA, HARYANA. 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.
