If you are searching for the IFSC code of Punjab National Bank, CHAGGRAN branch in CHAGGRAN, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is PUNB0025410. 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 CHAGGRAN branch, and detailed step-by-step guides for using the IFSC PUNB0025410 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, PUNB0025410 is the IFSC of Punjab National Bank's CHAGGRAN branch. The format is fixed: PUNB = bank code, 0 = reserved, 025410 = branch identifier.
About the bank
Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Chaggran branch in Chaggran, Punjab is part of this network and uses the IFSC code PUNB0025410 for all electronic settlement.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Chaggran |
| IFSC Code | PUNB0025410 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MAIN RD VPO CHAGGRAN DISTT HOSHIARPUR 146102 |
| City | Chaggran |
| District | Hoshiarpur |
| State | Punjab |
| STD Code | 1882 |
| Phone | 274226 |
About the Chaggran branch
The Chaggran branch of Punjab National Bank is situated at MAIN RD VPO CHAGGRAN DISTT HOSHIARPUR 146102. 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 PUNB0025410 is used.
Why every Punjab National Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including CHAGGRAN of Punjab National Bank — its own 11-character IFSC. The code PUNB0025410 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC PUNB0025410 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Chaggran branch is mapped to IFSC PUNB0025410 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 PUNB0025410.
Banking services available
The Chaggran branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1882-274226.
- 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 PUNB0025410
How to transfer money using IFSC PUNB0025410
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 PUNB0025410 across all three.
NEFT to Punjab National Bank, CHAGGRAN using IFSC PUNB0025410
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 PUNB0025410, and confirm that the system picks up Punjab National Bank – CHAGGRAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to CHAGGRAN
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's CHAGGRAN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0025410 while initiating the transfer and the credit will appear within minutes.
IMPS to Punjab National Bank CHAGGRAN (IFSC PUNB0025410)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0025410 in your mobile or internet banking app, and the money is credited to the CHAGGRAN branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0025410 for Punjab National Bank – CHAGGRAN, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – PUNB0025410 | Yes – PUNB0025410 | Yes – PUNB0025410 |
For most retail customers crediting the Chaggran 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 PUNB0025410
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 – CHAGGRAN is still mapped to IFSC PUNB0025410. 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 PUNB0025410 and the beneficiary's account number to complete the transfer.
Online banking and IFSC PUNB0025410
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the CHAGGRAN 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 PUNB0025410 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.
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 PUNB0025410 and the account number together uniquely identify the Chaggran branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC PUNB0025410
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Punjab National Bank – CHAGGRAN, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
PUNB0025410. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Chaggran branch sits at MAIN RD VPO CHAGGRAN DISTT HOSHIARPUR 146102. If you are travelling from outside Chaggran, search for the branch on a maps application using the bank name and locality, or call 1882-274226 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 PUNB0025410 and your account number.
Verifying IFSC PUNB0025410 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 PUNB0025410 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1882-274226.
- 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 Chaggran branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0025410, however, work 24x7.
Branch address & contact
Punjab National BankChaggran Branch
MAIN RD VPO CHAGGRAN DISTT HOSHIARPUR 146102
Chaggran, Punjab
Phone: 1882-274226
IFSC: PUNB0025410
Frequently asked questions
Where is Punjab National Bank Chaggran branch located?
Punjab National Bank's Chaggran branch is located at MAIN RD VPO CHAGGRAN DISTT HOSHIARPUR 146102, Chaggran, Punjab.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Chaggran branch but serve different purposes.
What is the IFSC code of Punjab National Bank Chaggran branch?
The IFSC code of Punjab National Bank, Chaggran branch is PUNB0025410. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Punjab National Bank Chaggran as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0025410, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Punjab National Bank Chaggran branch?
You can reach the branch at 1882-274226 during regular banking hours.
Can I use IFSC PUNB0025410 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0025410 to send funds instantly.
Is IFSC PUNB0025410 valid for NEFT and RTGS?
Yes. IFSC PUNB0025410 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code PUNB0025410 belongs to Punjab National Bank's CHAGGRAN branch, located at MAIN RD VPO CHAGGRAN DISTT HOSHIARPUR 146102 in CHAGGRAN, 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.
