IFSC Code of Punjab National Bank, Amritsarcivil Lines Branch, Punjab

This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, AMRITSARCIVIL LINES branch in AMRITSAR. The 11-digit IFSC PUNB0013010 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Punjab National Bank at the AMRITSARCIVIL LINES location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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, PUNB0013010 is the IFSC of Punjab National Bank's AMRITSARCIVIL LINES branch. The format is fixed: PUNB = bank code, 0 = reserved, 013010 = branch identifier.

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Amritsarcivil Lines branch in Amritsar. 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, PUNB0013010.

Branch details at a glance

About the Amritsarcivil Lines branch

The Amritsarcivil Lines branch of Punjab National Bank is situated at CIVIL LINES QUEENS ROAD 143001. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code PUNB0013010 is used.

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 AMRITSARCIVIL LINES of Punjab National Bank — its own 11-character IFSC. The code PUNB0013010 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 PUNB0013010 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 Amritsarcivil Lines branch is mapped to IFSC PUNB0013010 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 PUNB0013010.

Products and services

Customers walking into the Amritsarcivil Lines 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 PUNB0013010

How to transfer money using IFSC PUNB0013010

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 PUNB0013010 across all three.

NEFT to Punjab National Bank, AMRITSARCIVIL LINES using IFSC PUNB0013010

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 PUNB0013010, and confirm that the system picks up Punjab National Bank – AMRITSARCIVIL LINES. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to AMRITSARCIVIL LINES

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's AMRITSARCIVIL LINES branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0013010 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Punjab National Bank – AMRITSARCIVIL LINES, use IMPS. With IFSC PUNB0013010 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC PUNB0013010 for Punjab National Bank – AMRITSARCIVIL LINES, 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 Amritsarcivil Lines 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.

UPI payments and IFSC PUNB0013010

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 – AMRITSARCIVIL LINES is still mapped to IFSC PUNB0013010. 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 PUNB0013010 and the beneficiary's account number to complete the transfer.

Online banking and IFSC PUNB0013010

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the AMRITSARCIVIL LINES 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 PUNB0013010 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 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 PUNB0013010 and the account number together uniquely identify the Amritsarcivil Lines branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC PUNB0013010

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Punjab National Bank – AMRITSARCIVIL LINES, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: PUNB0013010.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the Amritsarcivil Lines branch

The branch is located at CIVIL LINES QUEENS ROAD 143001, which puts it inside Amritsar, the broader Amritsar district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Amritsarcivil Lines branch” — the verified location pin for IFSC PUNB0013010 should appear at the top of the results.
2. Confirm the branch is open by calling 183-2564682 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 PUNB0013010 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0013010 for Punjab National Bank – AMRITSARCIVIL LINES, 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 Amritsarcivil Lines 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 PUNB0013010 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0013010 belongs to Punjab National Bank's AMRITSARCIVIL LINES branch, located at CIVIL LINES QUEENS ROAD 143001 in AMRITSAR, PUNJAB. 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.