This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, CHANDIGARH SEC - D, DISTT. C branch in CHANDIGARH. The 11-digit IFSC PUNB0325000 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 CHANDIGARH SEC - D, DISTT. C 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 CHANDIGARH SEC - D, DISTT. C branch, the IFSC PUNB0325000 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 325000 identifies this particular branch.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Chandigarh Sec - D, Distt. C |
| IFSC Code | PUNB0325000 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SCO 375-376, SECTOR 37, |
| City | Chandigarh |
| District | Chandigarh |
| State | Chandigarh |
About Punjab National Bank
Punjab National Bank operates a wide network of branches across India, including the Chandigarh Sec - D, Distt. C branch in Chandigarh. 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, PUNB0325000.
About the Chandigarh Sec - D, Distt. C branch
The Chandigarh Sec - D, Distt. C branch of Punjab National Bank is situated at SCO 375-376, SECTOR 37,. 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 PUNB0325000 is used.
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 CHANDIGARH SEC - D, DISTT. C branch came to be assigned the code PUNB0325000.
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 PUNB0325000, money simply cannot be routed to the CHANDIGARH SEC - D, DISTT. C branch electronically.
How to transfer money using IFSC PUNB0325000
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 PUNB0325000 across all three.
NEFT to Punjab National Bank, CHANDIGARH SEC - D, DISTT. C using IFSC PUNB0325000
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 PUNB0325000, and confirm that the system picks up Punjab National Bank – CHANDIGARH SEC - D, DISTT. C. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to CHANDIGARH SEC - D, DISTT. C
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's CHANDIGARH SEC - D, DISTT. C branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0325000 while initiating the transfer and the credit will appear within minutes.
IMPS to Punjab National Bank CHANDIGARH SEC - D, DISTT. C (IFSC PUNB0325000)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0325000 in your mobile or internet banking app, and the money is credited to the CHANDIGARH SEC - D, DISTT. C branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0325000 for Punjab National Bank – CHANDIGARH SEC - D, DISTT. C, 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 – PUNB0325000 | Yes – PUNB0325000 | Yes – PUNB0325000 |
For most retail customers crediting the Chandigarh Sec - D, Distt. C 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 PUNB0325000
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 – CHANDIGARH SEC - D, DISTT. C is still mapped to IFSC PUNB0325000. 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 PUNB0325000 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Chandigarh Sec - D, Distt. C branch is mapped to IFSC PUNB0325000 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 PUNB0325000.
Products and services
Customers walking into the Chandigarh Sec - D, Distt. C 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 PUNB0325000
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 PUNB0325000 and the account number together uniquely identify the Chandigarh Sec - D, Distt. C branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC PUNB0325000
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the CHANDIGARH SEC - D, DISTT. C 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 PUNB0325000 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.
Common mistakes to avoid when using IFSC PUNB0325000
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 – CHANDIGARH SEC - D, DISTT. C, 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:
PUNB0325000. - 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.
How to reach the Chandigarh Sec - D, Distt. C branch
The branch is located at SCO 375-376, SECTOR 37,, which puts it inside Chandigarh, the broader Chandigarh district, and the state of Chandigarh. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Chandigarh Sec - D, Distt. C branch” — the verified location pin for IFSC PUNB0325000 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
- 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 PUNB0325000 and your account number.
Verifying IFSC PUNB0325000 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 PUNB0325000 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.
Working hours
Branch counters at Chandigarh Sec - D, Distt. C 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 PUNB0325000 continue to work without interruption.
Branch address & contact
Punjab National BankChandigarh Sec - D, Distt. C Branch
SCO 375-376, SECTOR 37,
Chandigarh, Chandigarh
Phone: the branch contact number
IFSC: PUNB0325000
Frequently asked questions
What is the phone number of Punjab National Bank Chandigarh Sec - D, Distt. C branch?
You can reach the branch at the branch contact number during regular banking hours.
What is the IFSC code of Punjab National Bank Chandigarh Sec - D, Distt. C branch?
The IFSC code of Punjab National Bank, Chandigarh Sec - D, Distt. C branch is PUNB0325000. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using PUNB0325000 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Chandigarh Sec - D, Distt. C reflect within 30 minutes.
How do I add Punjab National Bank Chandigarh Sec - D, Distt. C as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0325000, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC PUNB0325000 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0325000 to send funds instantly.
Is IFSC PUNB0325000 the same for all accounts at Chandigarh Sec - D, Distt. C branch?
Yes. The IFSC PUNB0325000 is shared by every account held at Punjab National Bank's Chandigarh Sec - D, Distt. C branch. Only the account number changes from customer to customer.
Does Punjab National Bank Chandigarh Sec - D, Distt. C branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Where is Punjab National Bank Chandigarh Sec - D, Distt. C branch located?
Punjab National Bank's Chandigarh Sec - D, Distt. C branch is located at SCO 375-376, SECTOR 37,, Chandigarh, Chandigarh.
Final notes
To recap: PUNB0325000 is the IFSC code of Punjab National Bank, CHANDIGARH SEC - D, DISTT. C branch, in CHANDIGARH, CHANDIGARH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
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