If you are searching for the IFSC code of Punjab National Bank, CPPC CHANDIGARH branch in CHAND, CHANDIGARH, this page has every detail you need. The verified IFSC code for this branch is PUNB0746600. 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 CPPC CHANDIGARH branch, and detailed step-by-step guides for using the IFSC PUNB0746600 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 CPPC CHANDIGARH branch, the IFSC PUNB0746600 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 746600 identifies this particular branch.
About Punjab National Bank
Punjab National Bank operates a wide network of branches across India, including the Cppc Chandigarh branch in Chand. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, PUNB0746600.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Cppc Chandigarh |
| IFSC Code | PUNB0746600 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PNB HOUSE SECTOR 17B |
| City | Chand |
| District | Chand |
| State | Chandigarh |
| STD Code | 11 |
| Phone | 23718172 |
About the Cppc Chandigarh branch
The Cppc Chandigarh branch of Punjab National Bank is situated at PNB HOUSE SECTOR 17B. 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 PUNB0746600 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 CPPC CHANDIGARH of Punjab National Bank — its own 11-character IFSC. The code PUNB0746600 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 PUNB0746600 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 Cppc Chandigarh branch is mapped to IFSC PUNB0746600 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 PUNB0746600.
Products and services
Customers walking into the Cppc Chandigarh 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 PUNB0746600
How to transfer money using IFSC PUNB0746600
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 PUNB0746600 across all three.
How to use IFSC PUNB0746600 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's CPPC CHANDIGARH branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC PUNB0746600.
- Confirm the bank name auto-populates as Punjab National Bank and the branch as CPPC CHANDIGARH.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to CPPC CHANDIGARH
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's CPPC CHANDIGARH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0746600 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 – CPPC CHANDIGARH, use IMPS. With IFSC PUNB0746600 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 PUNB0746600 for Punjab National Bank – CPPC CHANDIGARH, 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 – PUNB0746600 | Yes – PUNB0746600 | Yes – PUNB0746600 |
For most retail customers crediting the Cppc Chandigarh 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 PUNB0746600
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 – CPPC CHANDIGARH is still mapped to IFSC PUNB0746600. 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 PUNB0746600 and the beneficiary's account number to complete the transfer.
Online banking and IFSC PUNB0746600
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the CPPC CHANDIGARH 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 PUNB0746600 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 & cheque-truncation details
Cheques drawn on the Cppc Chandigarh branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0746600 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC PUNB0746600
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 – CPPC CHANDIGARH, 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:
PUNB0746600. - 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 Cppc Chandigarh branch sits at PNB HOUSE SECTOR 17B. If you are travelling from outside Chand, search for the branch on a maps application using the bank name and locality, or call 11-23718172 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 PUNB0746600 and your account number.
Verifying IFSC PUNB0746600 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 PUNB0746600 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.
Working hours
Branch counters at Cppc Chandigarh 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 PUNB0746600 continue to work without interruption.
Branch address & contact
Punjab National BankCppc Chandigarh Branch
PNB HOUSE SECTOR 17B
Chand, Chandigarh
Phone: 11-23718172
IFSC: PUNB0746600
Frequently asked questions
What is the IFSC code of Punjab National Bank Cppc Chandigarh branch?
The IFSC code of Punjab National Bank, Cppc Chandigarh branch is PUNB0746600. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Punjab National Bank Cppc Chandigarh branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 11-23718172 to confirm.
How do I add Punjab National Bank Cppc Chandigarh as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0746600, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC PUNB0746600 the same for all accounts at Cppc Chandigarh branch?
Yes. The IFSC PUNB0746600 is shared by every account held at Punjab National Bank's Cppc Chandigarh branch. Only the account number changes from customer to customer.
What is the phone number of Punjab National Bank Cppc Chandigarh branch?
You can reach the branch at 11-23718172 during regular banking hours.
Is IFSC PUNB0746600 valid for NEFT and RTGS?
Yes. IFSC PUNB0746600 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code PUNB0746600 belongs to Punjab National Bank's CPPC CHANDIGARH branch, located at PNB HOUSE SECTOR 17B in CHAND, CHANDIGARH. 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.
