IFSC Code of Punjab National Bank, Bhandel Bet, Distt. Kapurhala Branch, Punjab

If you are searching for the IFSC code of Punjab National Bank, BHANDEL BET, DISTT. KAPURHALA branch in BHANDEL BET, DISTT. KAPURTHALA, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is PUNB0348800. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the BHANDEL BET, DISTT. KAPURHALA branch, and detailed step-by-step guides for using the IFSC PUNB0348800 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 BHANDEL BET, DISTT. KAPURHALA branch, the IFSC PUNB0348800 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 348800 identifies this particular branch.

Branch details at a glance

About the bank

Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bhandel Bet, Distt. Kapurhala branch in Bhandel Bet, Distt. Kapurthala, Punjab is part of this network and uses the IFSC code PUNB0348800 for all electronic settlement.

Bhandel Bet, Distt. Kapurhala branch overview

Located at DISTT KAPURTHALA, the Bhandel Bet, Distt. Kapurhala branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0348800 is required for all interbank electronic transfers routed through this branch.

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 BHANDEL BET, DISTT. KAPURHALA branch came to be assigned the code PUNB0348800.

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 PUNB0348800, money simply cannot be routed to the BHANDEL BET, DISTT. KAPURHALA branch electronically.

How to transfer money using IFSC PUNB0348800

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 PUNB0348800 across all three.

NEFT to Punjab National Bank, BHANDEL BET, DISTT. KAPURHALA using IFSC PUNB0348800

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 PUNB0348800, and confirm that the system picks up Punjab National Bank – BHANDEL BET, DISTT. KAPURHALA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BHANDEL BET, DISTT. KAPURHALA

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's BHANDEL BET, DISTT. KAPURHALA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0348800 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank BHANDEL BET, DISTT. KAPURHALA (IFSC PUNB0348800)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0348800 in your mobile or internet banking app, and the money is credited to the BHANDEL BET, DISTT. KAPURHALA branch account within seconds.

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

All three modes accept the IFSC PUNB0348800 for Punjab National Bank – BHANDEL BET, DISTT. KAPURHALA, 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 Bhandel Bet, Distt. Kapurhala 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 BHANDEL BET, DISTT. KAPURHALA branch, the IFSC PUNB0348800 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 Bhandel Bet, Distt. Kapurhala branch is mapped to IFSC PUNB0348800 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 PUNB0348800.

Banking services available

The Bhandel Bet, Distt. Kapurhala 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 PUNB0348800

MICR & cheque-truncation details

Cheques drawn on the Bhandel Bet, Distt. Kapurhala branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0348800 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC PUNB0348800

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the BHANDEL BET, DISTT. KAPURHALA 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 PUNB0348800 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.

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 – BHANDEL BET, DISTT. KAPURHALA:

• The IFSC is exactly PUNB0348800 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 BHANDEL BET, DISTT. KAPURHALA 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.

How to reach the Bhandel Bet, Distt. Kapurhala branch

The branch is located at DISTT KAPURTHALA, which puts it inside Bhandel Bet, Distt. Kapurthala, the broader Bhandel Bet, Distt. Kapurthala district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Bhandel Bet, Distt. Kapurhala branch” — the verified location pin for IFSC PUNB0348800 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 PUNB0348800 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0348800 for Punjab National Bank – BHANDEL BET, DISTT. KAPURHALA, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

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 Bhandel Bet, Distt. Kapurhala branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0348800, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0348800 belongs to Punjab National Bank's BHANDEL BET, DISTT. KAPURHALA branch, located at DISTT KAPURTHALA in BHANDEL BET, DISTT. KAPURTHALA, PUNJAB. 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.