IFSC Code of Punjab National Bank, Balakrupi, Distt. Kangra ,Hp Branch, Himachal Pradesh

Below are the complete branch details for Punjab National Bank, BALAKRUPI, DISTT. KANGRA ,HP branch, located in BALAKRUPI, DIST KANGRA, HP, HIMACHAL PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0264600. 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 PUNB0264600 for Punjab National Bank – BALAKRUPI, DISTT. KANGRA ,HP — 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 BALAKRUPI, DISTT. KANGRA ,HP branch, the IFSC PUNB0264600 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 264600 identifies this particular branch.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Balakrupi, Distt. Kangra ,Hp branch — IFSC PUNB0264600 — extends the bank's services to customers in and around Balakrupi, Dist Kangra, Hp, Himachal Pradesh.

Branch details at a glance

About this branch

The branch is located at VPO BALAKRUPI, DISTT KANGRA. It serves the Balakrupi, Dist Kangra, Hp 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 PUNB0264600 is used to identify this branch on the RBI payments network.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Punjab National Bank's BALAKRUPI, DISTT. KANGRA ,HP branch came to be assigned the code PUNB0264600.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC PUNB0264600, money simply cannot be routed to the BALAKRUPI, DISTT. KANGRA ,HP branch electronically.

Products and account variants supported

Every account opened at the Balakrupi, Distt. Kangra ,Hp branch is mapped to IFSC PUNB0264600 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 PUNB0264600.

Banking services available

The Balakrupi, Distt. Kangra ,Hp branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• 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 PUNB0264600

How to transfer money using IFSC PUNB0264600

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 PUNB0264600 across all three.

How to use IFSC PUNB0264600 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's BALAKRUPI, DISTT. KANGRA ,HP 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC PUNB0264600.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as BALAKRUPI, DISTT. KANGRA ,HP.
5. 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 BALAKRUPI, DISTT. KANGRA ,HP

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's BALAKRUPI, DISTT. KANGRA ,HP branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0264600 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 – BALAKRUPI, DISTT. KANGRA ,HP, use IMPS. With IFSC PUNB0264600 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 PUNB0264600 for Punjab National Bank – BALAKRUPI, DISTT. KANGRA ,HP, 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 Balakrupi, Distt. Kangra ,Hp 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 BALAKRUPI, DISTT. KANGRA ,HP branch, the IFSC PUNB0264600 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.

Digital banking channels

Most day-to-day work that customers used to do at the Balakrupi, Distt. Kangra ,Hp 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 PUNB0264600 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.

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 PUNB0264600 and the account number together uniquely identify the Balakrupi, Distt. Kangra ,Hp 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 PUNB0264600

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 – BALAKRUPI, DISTT. KANGRA ,HP, 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: PUNB0264600.
• 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 Balakrupi, Distt. Kangra ,Hp branch

The branch is located at VPO BALAKRUPI, DISTT KANGRA, which puts it inside Balakrupi, Dist Kangra, Hp, the broader Balakrupi, Dist Kangra, Hp district, and the state of Himachal Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Balakrupi, Distt. Kangra ,Hp branch” — the verified location pin for IFSC PUNB0264600 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 PUNB0264600 and your account number.

Verifying IFSC PUNB0264600 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 PUNB0264600 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 Balakrupi, Distt. Kangra ,Hp 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 PUNB0264600 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0264600 is the IFSC code of Punjab National Bank, BALAKRUPI, DISTT. KANGRA ,HP branch, in BALAKRUPI, DIST KANGRA, HP, HIMACHAL PRADESH. 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.