Use this page as a one-stop reference for everything related to Punjab National Bank's RMO AYODHYA FAIZABAD ADMIN branch in AYODHYA, UTTAR PRADESH. The branch's IFSC code PUNB0653400 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 – RMO AYODHYA FAIZABAD ADMIN is PUNB0653400. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 653400 map to this branch in AYODHYA, UTTAR PRADESH.
Bank profile
Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Rmo Ayodhya Faizabad Admin branch — IFSC PUNB0653400 — extends the bank's services to customers in and around Ayodhya, Uttar Pradesh.
About this branch
The branch is located at DEV KALI ROAD REIDGANJ. It serves the Ayodhya 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 PUNB0653400 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Rmo Ayodhya Faizabad Admin |
| IFSC Code | PUNB0653400 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DEV KALI ROAD REIDGANJ |
| City | Ayodhya |
| District | Ayodhya |
| State | Uttar Pradesh |
| STD Code | 5278 |
| Phone | 242932 |
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 RMO AYODHYA FAIZABAD ADMIN of Punjab National Bank — its own 11-character IFSC. The code PUNB0653400 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 PUNB0653400 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 PUNB0653400 and the account number together uniquely identify the Rmo Ayodhya Faizabad Admin branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC PUNB0653400
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 PUNB0653400 across all three.
NEFT to Punjab National Bank, RMO AYODHYA FAIZABAD ADMIN using IFSC PUNB0653400
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 PUNB0653400, and confirm that the system picks up Punjab National Bank – RMO AYODHYA FAIZABAD ADMIN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to RMO AYODHYA FAIZABAD ADMIN
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's RMO AYODHYA FAIZABAD ADMIN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0653400 while initiating the transfer and the credit will appear within minutes.
IMPS to Punjab National Bank RMO AYODHYA FAIZABAD ADMIN (IFSC PUNB0653400)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0653400 in your mobile or internet banking app, and the money is credited to the RMO AYODHYA FAIZABAD ADMIN branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0653400 for Punjab National Bank – RMO AYODHYA FAIZABAD ADMIN, 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 – PUNB0653400 | Yes – PUNB0653400 | Yes – PUNB0653400 |
For most retail customers crediting the Rmo Ayodhya Faizabad Admin 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 RMO AYODHYA FAIZABAD ADMIN branch, the IFSC PUNB0653400 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 Rmo Ayodhya Faizabad Admin branch is mapped to IFSC PUNB0653400 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 PUNB0653400.
Products and services
Customers walking into the Rmo Ayodhya Faizabad Admin 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 PUNB0653400
Online banking and IFSC PUNB0653400
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the RMO AYODHYA FAIZABAD ADMIN 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 PUNB0653400 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.
Reaching the branch
The Rmo Ayodhya Faizabad Admin branch sits at DEV KALI ROAD REIDGANJ. If you are travelling from outside Ayodhya, search for the branch on a maps application using the bank name and locality, or call 5278-242932 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 PUNB0653400 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 – RMO AYODHYA FAIZABAD ADMIN:
- The IFSC is exactly PUNB0653400 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 RMO AYODHYA FAIZABAD ADMIN 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.
Working hours
Branch counters at Rmo Ayodhya Faizabad Admin 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 PUNB0653400 continue to work without interruption.
Verifying IFSC PUNB0653400 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 PUNB0653400 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 5278-242932.
- Visiting the bank's official branch locator page.
Branch address & contact
Punjab National BankRmo Ayodhya Faizabad Admin Branch
DEV KALI ROAD REIDGANJ
Ayodhya, Uttar Pradesh
Phone: 5278-242932
IFSC: PUNB0653400
Frequently asked questions
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 Rmo Ayodhya Faizabad Admin branch but serve different purposes.
What is the IFSC code of Punjab National Bank Rmo Ayodhya Faizabad Admin branch?
The IFSC code of Punjab National Bank, Rmo Ayodhya Faizabad Admin branch is PUNB0653400. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC PUNB0653400 valid for NEFT and RTGS?
Yes. IFSC PUNB0653400 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC PUNB0653400 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0653400 to send funds instantly.
How quickly will an NEFT transfer using PUNB0653400 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Rmo Ayodhya Faizabad Admin reflect within 30 minutes.
Is IFSC PUNB0653400 the same for all accounts at Rmo Ayodhya Faizabad Admin branch?
Yes. The IFSC PUNB0653400 is shared by every account held at Punjab National Bank's Rmo Ayodhya Faizabad Admin branch. Only the account number changes from customer to customer.
Summary
The IFSC code PUNB0653400 belongs to Punjab National Bank's RMO AYODHYA FAIZABAD ADMIN branch, located at DEV KALI ROAD REIDGANJ in AYODHYA, UTTAR PRADESH. 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.
