IFSC Code of Punjab National Bank, Bhoa, Distt. Gurdaspur ,Punjab Branch, Punjab

If you are searching for the IFSC code of Punjab National Bank, BHOA, DISTT. GURDASPUR ,PUNJAB branch in BHOA, PUNJAB, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is PUNB0125000. 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 BHOA, DISTT. GURDASPUR ,PUNJAB branch, and detailed step-by-step guides for using the IFSC PUNB0125000 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.

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 – BHOA, DISTT. GURDASPUR ,PUNJAB is PUNB0125000. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 125000 map to this branch in BHOA, PUNJAB, PUNJAB.

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 Bhoa, Distt. Gurdaspur ,Punjab branch — IFSC PUNB0125000 — extends the bank's services to customers in and around Bhoa, Punjab, Punjab.

About this branch

The branch is located at BHOA, DISTT GURDASPUR. It serves the Bhoa, Punjab 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 PUNB0125000 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 BHOA, DISTT. GURDASPUR ,PUNJAB branch came to be assigned the code PUNB0125000.

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 PUNB0125000, money simply cannot be routed to the BHOA, DISTT. GURDASPUR ,PUNJAB branch electronically.

How to transfer money using IFSC PUNB0125000

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 PUNB0125000 across all three.

NEFT to Punjab National Bank, BHOA, DISTT. GURDASPUR ,PUNJAB using IFSC PUNB0125000

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 PUNB0125000, and confirm that the system picks up Punjab National Bank – BHOA, DISTT. GURDASPUR ,PUNJAB. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PUNB0125000

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 – BHOA, DISTT. GURDASPUR ,PUNJAB, ensure your bank's portal accepts IFSC PUNB0125000 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Punjab National Bank – BHOA, DISTT. GURDASPUR ,PUNJAB, use IMPS. With IFSC PUNB0125000 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Bhoa, Distt. Gurdaspur ,Punjab

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 PUNB0125000:

• 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 BHOA, DISTT. GURDASPUR ,PUNJAB is still linked to IFSC PUNB0125000.

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 PUNB0125000

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 – BHOA, DISTT. GURDASPUR ,PUNJAB is still mapped to IFSC PUNB0125000. 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 PUNB0125000 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Bhoa, Distt. Gurdaspur ,Punjab branch is mapped to IFSC PUNB0125000 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 PUNB0125000.

Banking services available

The Bhoa, Distt. Gurdaspur ,Punjab 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 PUNB0125000

MICR & cheque-truncation details

Cheques drawn on the Bhoa, Distt. Gurdaspur ,Punjab branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0125000 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC PUNB0125000

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the BHOA, DISTT. GURDASPUR ,PUNJAB 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 PUNB0125000 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 – BHOA, DISTT. GURDASPUR ,PUNJAB:

• The IFSC is exactly PUNB0125000 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 BHOA, DISTT. GURDASPUR ,PUNJAB 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.

Reaching the branch

The Bhoa, Distt. Gurdaspur ,Punjab branch sits at BHOA, DISTT GURDASPUR. If you are travelling from outside Bhoa, Punjab, search for the branch on a maps application using the bank name and locality, or call the branch contact number to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC PUNB0125000 and your account number.

Verifying IFSC PUNB0125000 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 PUNB0125000 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 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 Bhoa, Distt. Gurdaspur ,Punjab branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0125000, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0125000 belongs to Punjab National Bank's BHOA, DISTT. GURDASPUR ,PUNJAB branch, located at BHOA, DISTT GURDASPUR in BHOA, PUNJAB, 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.