IFSC Code of Punjab National Bank, Chamba Branch, Himachal Pradesh

If you are searching for the IFSC code of Punjab National Bank, CHAMBA branch in CHAMBA, HIMACHAL PRADESH, this page has every detail you need. The verified IFSC code for this branch is PUNB0192310. 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 CHAMBA branch, and detailed step-by-step guides for using the IFSC PUNB0192310 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 CHAMBA branch, the IFSC PUNB0192310 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 192310 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 Chamba branch in Chamba, Himachal Pradesh is part of this network and uses the IFSC code PUNB0192310 for all electronic settlement.

About this branch

The branch is located at CHAMBA,UPPER JULAKHRI HARDASPUR CHAMBA 176318. It serves the Chamba 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 PUNB0192310 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 CHAMBA branch came to be assigned the code PUNB0192310.

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 PUNB0192310, money simply cannot be routed to the CHAMBA branch electronically.

How to transfer money using IFSC PUNB0192310

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 PUNB0192310 across all three.

NEFT to Punjab National Bank, CHAMBA using IFSC PUNB0192310

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 PUNB0192310, and confirm that the system picks up Punjab National Bank – CHAMBA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CHAMBA

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's CHAMBA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0192310 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Punjab National Bank – CHAMBA, use IMPS. With IFSC PUNB0192310 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 PUNB0192310 for Punjab National Bank – CHAMBA, 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 Chamba 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 PUNB0192310

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 – CHAMBA is still mapped to IFSC PUNB0192310. 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 PUNB0192310 and the beneficiary's account number to complete the transfer.

Account types you can open at the Chamba branch

Once you have an account at Punjab National Bank – CHAMBA, the IFSC PUNB0192310 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.

Banking services available

The Chamba 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 PUNB0192310

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 PUNB0192310 and the account number together uniquely identify the Chamba branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC PUNB0192310

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the CHAMBA 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 PUNB0192310 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 – CHAMBA:

• The IFSC is exactly PUNB0192310 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 CHAMBA 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 Chamba branch sits at CHAMBA,UPPER JULAKHRI HARDASPUR CHAMBA 176318. If you are travelling from outside Chamba, 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 PUNB0192310 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0192310 for Punjab National Bank – CHAMBA, 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 Chamba 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 PUNB0192310 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0192310 belongs to Punjab National Bank's CHAMBA branch, located at CHAMBA,UPPER JULAKHRI HARDASPUR CHAMBA 176318 in CHAMBA, HIMACHAL PRADESH. 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.