IFSC Code of Punjab National Bank, Kulrian, Distt. Bhatinda ,Pun Branch, Punjab

Below are the complete branch details for Punjab National Bank, KULRIAN, DISTT. BHATINDA ,PUN branch, located in BHATINDA, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0234100. 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 PUNB0234100 for Punjab National Bank – KULRIAN, DISTT. BHATINDA ,PUN — 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 KULRIAN, DISTT. BHATINDA ,PUN branch, the IFSC PUNB0234100 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 234100 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 Kulrian, Distt. Bhatinda ,Pun branch in Bhatinda, Punjab is part of this network and uses the IFSC code PUNB0234100 for all electronic settlement.

About this branch

The branch is located at VILL AND PO KULRIAN. It serves the Bhatinda 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 PUNB0234100 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 KULRIAN, DISTT. BHATINDA ,PUN branch came to be assigned the code PUNB0234100.

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 PUNB0234100, money simply cannot be routed to the KULRIAN, DISTT. BHATINDA ,PUN branch electronically.

How to transfer money using IFSC PUNB0234100

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 PUNB0234100 across all three.

NEFT to Punjab National Bank, KULRIAN, DISTT. BHATINDA ,PUN using IFSC PUNB0234100

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 PUNB0234100, and confirm that the system picks up Punjab National Bank – KULRIAN, DISTT. BHATINDA ,PUN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PUNB0234100

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 – KULRIAN, DISTT. BHATINDA ,PUN, ensure your bank's portal accepts IFSC PUNB0234100 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Punjab National Bank – KULRIAN, DISTT. BHATINDA ,PUN, use IMPS. With IFSC PUNB0234100 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 PUNB0234100 for Punjab National Bank – KULRIAN, DISTT. BHATINDA ,PUN, 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 Kulrian, Distt. Bhatinda ,Pun 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 KULRIAN, DISTT. BHATINDA ,PUN branch, the IFSC PUNB0234100 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 Kulrian, Distt. Bhatinda ,Pun branch

Once you have an account at Punjab National Bank – KULRIAN, DISTT. BHATINDA ,PUN, the IFSC PUNB0234100 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.

Products and services

Customers walking into the Kulrian, Distt. Bhatinda ,Pun 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 PUNB0234100

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 PUNB0234100 and the account number together uniquely identify the Kulrian, Distt. Bhatinda ,Pun branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Kulrian, Distt. Bhatinda ,Pun 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 PUNB0234100 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.

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 – KULRIAN, DISTT. BHATINDA ,PUN:

• The IFSC is exactly PUNB0234100 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 KULRIAN, DISTT. BHATINDA ,PUN 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 Kulrian, Distt. Bhatinda ,Pun branch

The branch is located at VILL AND PO KULRIAN, which puts it inside Bhatinda, the broader Distt Bhatinda district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Kulrian, Distt. Bhatinda ,Pun branch” — the verified location pin for IFSC PUNB0234100 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 PUNB0234100 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0234100 for Punjab National Bank – KULRIAN, DISTT. BHATINDA ,PUN, 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.

Working hours

Branch counters at Kulrian, Distt. Bhatinda ,Pun 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 PUNB0234100 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0234100 is the IFSC code of Punjab National Bank, KULRIAN, DISTT. BHATINDA ,PUN branch, in BHATINDA, PUNJAB. 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.