IFSC Code of Punjab National Bank, Bangalore-Ramamurthy Nagar Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, BANGALORE-RAMAMURTHY NAGAR branch in BANGALORE. The 11-digit IFSC PUNB0156310 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 BANGALORE-RAMAMURTHY NAGAR 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.

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 – BANGALORE-RAMAMURTHY NAGAR is PUNB0156310. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 156310 map to this branch in BANGALORE, KARNATAKA.

Branch details at a glance

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Bangalore-Ramamurthy Nagar branch — IFSC PUNB0156310 — extends the bank's services to customers in and around Bangalore, Karnataka.

About the Bangalore-Ramamurthy Nagar branch

The Bangalore-Ramamurthy Nagar branch of Punjab National Bank is situated at NO 28, 1ST BLOCK, T C RAMAMURTHY NAGAR 560016. 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 PUNB0156310 is used.

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 BANGALORE-RAMAMURTHY NAGAR branch came to be assigned the code PUNB0156310.

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 PUNB0156310, money simply cannot be routed to the BANGALORE-RAMAMURTHY NAGAR branch electronically.

How to transfer money using IFSC PUNB0156310

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 PUNB0156310 across all three.

NEFT to Punjab National Bank, BANGALORE-RAMAMURTHY NAGAR using IFSC PUNB0156310

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 PUNB0156310, and confirm that the system picks up Punjab National Bank – BANGALORE-RAMAMURTHY NAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PUNB0156310

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Punjab National Bank – BANGALORE-RAMAMURTHY NAGAR, ensure your bank's portal accepts IFSC PUNB0156310 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank BANGALORE-RAMAMURTHY NAGAR (IFSC PUNB0156310)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0156310 in your mobile or internet banking app, and the money is credited to the BANGALORE-RAMAMURTHY NAGAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bangalore-Ramamurthy Nagar

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 PUNB0156310:

• 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 BANGALORE-RAMAMURTHY NAGAR is still linked to IFSC PUNB0156310.

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.

UPI payments and IFSC PUNB0156310

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 – BANGALORE-RAMAMURTHY NAGAR is still mapped to IFSC PUNB0156310. 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 PUNB0156310 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Bangalore-Ramamurthy Nagar branch is mapped to IFSC PUNB0156310 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 PUNB0156310.

Banking services available

The Bangalore-Ramamurthy Nagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 80-28493929.

• 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 PUNB0156310

MICR & cheque-truncation details

Cheques drawn on the Bangalore-Ramamurthy Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0156310 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 Bangalore-Ramamurthy Nagar 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 PUNB0156310 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 PUNB0156310

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 – BANGALORE-RAMAMURTHY NAGAR, 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: PUNB0156310.
• 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 Bangalore-Ramamurthy Nagar branch

The branch is located at NO 28, 1ST BLOCK, T C RAMAMURTHY NAGAR 560016, which puts it inside Bangalore, the broader Bangalore Rural district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Bangalore-Ramamurthy Nagar branch” — the verified location pin for IFSC PUNB0156310 should appear at the top of the results.
2. Confirm the branch is open by calling 80-28493929 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 PUNB0156310 and your account number.

Verifying IFSC PUNB0156310 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 PUNB0156310 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 80-28493929.
• Visiting the bank's official branch locator page.

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 Bangalore-Ramamurthy Nagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0156310, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0156310 belongs to Punjab National Bank's BANGALORE-RAMAMURTHY NAGAR branch, located at NO 28, 1ST BLOCK, T C RAMAMURTHY NAGAR 560016 in BANGALORE, KARNATAKA. 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.