Below are the complete branch details for Punjab National Bank, CHOGAWAN-AMRITSAR branch, located in AMRITSAR, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0134810. 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 PUNB0134810 for Punjab National Bank – CHOGAWAN-AMRITSAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 CHOGAWAN-AMRITSAR branch, the IFSC PUNB0134810 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 134810 identifies this particular branch.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Chogawan-Amritsar |
| IFSC Code | PUNB0134810 |
| MICR Code | Refer to cheque leaf |
| Branch Address | CHOGAWAN ADJ PREET HOSPITAL.DISTT 143001 |
| City | Amritsar |
| District | Amritsar |
| State | Punjab |
| STD Code | 1858 |
| Phone | 243354 |
About the bank
Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Chogawan-Amritsar branch in Amritsar, Punjab is part of this network and uses the IFSC code PUNB0134810 for all electronic settlement.
About this branch
The branch is located at CHOGAWAN ADJ PREET HOSPITAL.DISTT 143001. It serves the Amritsar region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Punjab National Bank. The IFSC PUNB0134810 is used to identify this branch on the RBI payments network.
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 CHOGAWAN-AMRITSAR of Punjab National Bank — its own 11-character IFSC. The code PUNB0134810 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 PUNB0134810 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 PUNB0134810
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 PUNB0134810 across all three.
How to use IFSC PUNB0134810 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's CHOGAWAN-AMRITSAR 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 PUNB0134810.
- Confirm the bank name auto-populates as Punjab National Bank and the branch as CHOGAWAN-AMRITSAR.
- 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 CHOGAWAN-AMRITSAR
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's CHOGAWAN-AMRITSAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0134810 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 – CHOGAWAN-AMRITSAR, use IMPS. With IFSC PUNB0134810 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 PUNB0134810 for Punjab National Bank – CHOGAWAN-AMRITSAR, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – PUNB0134810 | Yes – PUNB0134810 | Yes – PUNB0134810 |
For most retail customers crediting the Chogawan-Amritsar 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 CHOGAWAN-AMRITSAR branch, the IFSC PUNB0134810 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.
Account types you can open at the Chogawan-Amritsar branch
Once you have an account at Punjab National Bank – CHOGAWAN-AMRITSAR, the IFSC PUNB0134810 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Chogawan-Amritsar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1858-243354.
- 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 PUNB0134810
MICR & cheque-truncation details
Cheques drawn on the Chogawan-Amritsar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0134810 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Chogawan-Amritsar 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 PUNB0134810 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.
Common mistakes to avoid when using IFSC PUNB0134810
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 – CHOGAWAN-AMRITSAR, 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:
PUNB0134810. - 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.
Reaching the branch
The Chogawan-Amritsar branch sits at CHOGAWAN ADJ PREET HOSPITAL.DISTT 143001. If you are travelling from outside Amritsar, search for the branch on a maps application using the bank name and locality, or call 1858-243354 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 PUNB0134810 and your account number.
Verifying IFSC PUNB0134810 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 PUNB0134810 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1858-243354.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Chogawan-Amritsar 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 PUNB0134810 continue to work without interruption.
Branch address & contact
Punjab National BankChogawan-Amritsar Branch
CHOGAWAN ADJ PREET HOSPITAL.DISTT 143001
Amritsar, Punjab
Phone: 1858-243354
IFSC: PUNB0134810
Frequently asked questions
How do I add Punjab National Bank Chogawan-Amritsar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0134810, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Punjab National Bank Chogawan-Amritsar branch?
You can reach the branch at 1858-243354 during regular banking hours.
Is IFSC PUNB0134810 the same for all accounts at Chogawan-Amritsar branch?
Yes. The IFSC PUNB0134810 is shared by every account held at Punjab National Bank's Chogawan-Amritsar branch. Only the account number changes from customer to customer.
Where is Punjab National Bank Chogawan-Amritsar branch located?
Punjab National Bank's Chogawan-Amritsar branch is located at CHOGAWAN ADJ PREET HOSPITAL.DISTT 143001, Amritsar, Punjab.
How quickly will an NEFT transfer using PUNB0134810 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Chogawan-Amritsar 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 Chogawan-Amritsar branch but serve different purposes.
Final notes
To recap: PUNB0134810 is the IFSC code of Punjab National Bank, CHOGAWAN-AMRITSAR branch, in AMRITSAR, PUNJAB. 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.
