IFSC Code of Punjab National Bank, Digital Banking Unit Kamrup Branch, Assam

This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, DIGITAL BANKING UNIT KAMRUP branch in BONGAIGAON. The 11-digit IFSC PUNB0940600 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 DIGITAL BANKING UNIT KAMRUP 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.

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 DIGITAL BANKING UNIT KAMRUP branch, the IFSC PUNB0940600 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 940600 identifies this particular branch.

About the bank

Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Digital Banking Unit Kamrup branch in Bongaigaon, Assam is part of this network and uses the IFSC code PUNB0940600 for all electronic settlement.

About this branch

The branch is located at BO EOBC BANGAIGAON, NEAR LOWER ASSAM HOSPITAL BLOCK 165 AS BONGA 783380. It serves the Bongaigaon 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 PUNB0940600 is used to identify this branch on the RBI payments network.

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 DIGITAL BANKING UNIT KAMRUP branch came to be assigned the code PUNB0940600.

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 PUNB0940600, money simply cannot be routed to the DIGITAL BANKING UNIT KAMRUP branch electronically.

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 PUNB0940600 and the account number together uniquely identify the Digital Banking Unit Kamrup branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC PUNB0940600

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 PUNB0940600 across all three.

NEFT to Punjab National Bank, DIGITAL BANKING UNIT KAMRUP using IFSC PUNB0940600

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 PUNB0940600, and confirm that the system picks up Punjab National Bank – DIGITAL BANKING UNIT KAMRUP. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PUNB0940600

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 – DIGITAL BANKING UNIT KAMRUP, ensure your bank's portal accepts IFSC PUNB0940600 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank DIGITAL BANKING UNIT KAMRUP (IFSC PUNB0940600)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0940600 in your mobile or internet banking app, and the money is credited to the DIGITAL BANKING UNIT KAMRUP branch account within seconds.

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

All three modes accept the IFSC PUNB0940600 for Punjab National Bank – DIGITAL BANKING UNIT KAMRUP, 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 Digital Banking Unit Kamrup 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.

UPI payments and IFSC PUNB0940600

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 – DIGITAL BANKING UNIT KAMRUP is still mapped to IFSC PUNB0940600. 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 PUNB0940600 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Digital Banking Unit Kamrup branch is mapped to IFSC PUNB0940600 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 PUNB0940600.

Banking services available

The Digital Banking Unit Kamrup branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 11-23718172.

• 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 PUNB0940600

Online banking and IFSC PUNB0940600

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the DIGITAL BANKING UNIT KAMRUP 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 PUNB0940600 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.

How to reach the Digital Banking Unit Kamrup branch

The branch is located at BO EOBC BANGAIGAON, NEAR LOWER ASSAM HOSPITAL BLOCK 165 AS BONGA 783380, which puts it inside Bongaigaon, the broader Bongaigaon district, and the state of Assam. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Digital Banking Unit Kamrup branch” — the verified location pin for IFSC PUNB0940600 should appear at the top of the results.
2. Confirm the branch is open by calling 11-23718172 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 PUNB0940600 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 – DIGITAL BANKING UNIT KAMRUP:

• The IFSC is exactly PUNB0940600 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 DIGITAL BANKING UNIT KAMRUP 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.

Working hours

Branch counters at Digital Banking Unit Kamrup 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 PUNB0940600 continue to work without interruption.

Verifying IFSC PUNB0940600 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 PUNB0940600 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 11-23718172.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0940600 belongs to Punjab National Bank's DIGITAL BANKING UNIT KAMRUP branch, located at BO EOBC BANGAIGAON, NEAR LOWER ASSAM HOSPITAL BLOCK 165 AS BONGA 783380 in BONGAIGAON, ASSAM. 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.