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

Use this page as a one-stop reference for everything related to Punjab National Bank's BANKHANDI, DISTT. KANGRA ,HP branch in BANKHANDI ,DISTT KANGRA, HIMACHAL PRADESH. The branch's IFSC code PUNB0199000 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.

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 BANKHANDI, DISTT. KANGRA ,HP branch, the IFSC PUNB0199000 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 199000 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 Bankhandi, Distt. Kangra ,Hp branch — IFSC PUNB0199000 — extends the bank's services to customers in and around Bankhandi ,Distt Kangra, Himachal Pradesh.

About the Bankhandi, Distt. Kangra ,Hp branch

The Bankhandi, Distt. Kangra ,Hp branch of Punjab National Bank is situated at VPO BANKHANDI, DEHRA, DIST KANGRA. 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 PUNB0199000 is used.

Branch details at a glance

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 BANKHANDI, DISTT. KANGRA ,HP branch came to be assigned the code PUNB0199000.

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 PUNB0199000, money simply cannot be routed to the BANKHANDI, DISTT. KANGRA ,HP branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Bankhandi, Distt. Kangra ,Hp branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0199000 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC PUNB0199000

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 PUNB0199000 across all three.

How to use IFSC PUNB0199000 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's BANKHANDI, 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 PUNB0199000.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as BANKHANDI, DISTT. KANGRA ,HP.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC PUNB0199000

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 – BANKHANDI, DISTT. KANGRA ,HP, ensure your bank's portal accepts IFSC PUNB0199000 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank BANKHANDI, DISTT. KANGRA ,HP (IFSC PUNB0199000)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0199000 in your mobile or internet banking app, and the money is credited to the BANKHANDI, DISTT. KANGRA ,HP branch account within seconds.

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

All three modes accept the IFSC PUNB0199000 for Punjab National Bank – BANKHANDI, 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 Bankhandi, 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 BANKHANDI, DISTT. KANGRA ,HP branch, the IFSC PUNB0199000 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 Bankhandi, Distt. Kangra ,Hp branch

Once you have an account at Punjab National Bank – BANKHANDI, DISTT. KANGRA ,HP, the IFSC PUNB0199000 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 Bankhandi, 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 PUNB0199000

Digital banking channels

Most day-to-day work that customers used to do at the Bankhandi, 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 PUNB0199000 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.

How to reach the Bankhandi, Distt. Kangra ,Hp branch

The branch is located at VPO BANKHANDI, DEHRA, DIST KANGRA, which puts it inside Bankhandi ,Distt Kangra, the broader Bankhandi (distt Kangra) district, and the state of Himachal Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Bankhandi, Distt. Kangra ,Hp branch” — the verified location pin for IFSC PUNB0199000 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 PUNB0199000 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 – BANKHANDI, DISTT. KANGRA ,HP:

• The IFSC is exactly PUNB0199000 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 BANKHANDI, DISTT. KANGRA ,HP 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.

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 Bankhandi, Distt. Kangra ,Hp branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0199000, however, work 24x7.

Verifying IFSC PUNB0199000 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 PUNB0199000 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0199000 belongs to Punjab National Bank's BANKHANDI, DISTT. KANGRA ,HP branch, located at VPO BANKHANDI, DEHRA, DIST KANGRA in BANKHANDI ,DISTT KANGRA, HIMACHAL 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.