IFSC Code of Punjab National Bank, Clpc Chandigarh Branch, Chandigarh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, CLPC CHANDIGARH branch in CHANDIGARH. The 11-digit IFSC PUNB0603900 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 CLPC CHANDIGARH 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 CLPC CHANDIGARH branch, the IFSC PUNB0603900 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 603900 identifies this particular branch.

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Clpc Chandigarh 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, PUNB0603900.

Branch details at a glance

Clpc Chandigarh branch overview

Located at CLPC BANK SQUARE PNB HOUSE SECTOR 17 B CHANDIGARH CH CHAND 160017, the Clpc Chandigarh branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0603900 is required for all interbank electronic transfers routed through this branch.

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 CLPC CHANDIGARH of Punjab National Bank — its own 11-character IFSC. The code PUNB0603900 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 PUNB0603900 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Clpc Chandigarh branch

Once you have an account at Punjab National Bank – CLPC CHANDIGARH, the IFSC PUNB0603900 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.

Products and services

Customers walking into the Clpc 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 PUNB0603900

How to transfer money using IFSC PUNB0603900

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 PUNB0603900 across all three.

How to use IFSC PUNB0603900 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's CLPC 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC PUNB0603900.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as CLPC CHANDIGARH.
5. 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 CLPC CHANDIGARH

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's CLPC CHANDIGARH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0603900 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank CLPC CHANDIGARH (IFSC PUNB0603900)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0603900 in your mobile or internet banking app, and the money is credited to the CLPC CHANDIGARH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Clpc Chandigarh

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC PUNB0603900:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at CLPC CHANDIGARH is still linked to IFSC PUNB0603900.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Punjab National Bank's CLPC CHANDIGARH branch, the IFSC PUNB0603900 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Online banking and IFSC PUNB0603900

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the CLPC 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 PUNB0603900 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 PUNB0603900 and the account number together uniquely identify the Clpc Chandigarh 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 PUNB0603900

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 – CLPC 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: PUNB0603900.
• 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 Clpc Chandigarh branch

The branch is located at CLPC BANK SQUARE PNB HOUSE SECTOR 17 B CHANDIGARH CH CHAND 160017, which puts it inside Chandigarh, the broader Chandigarh district, and the state of Chandigarh. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Clpc Chandigarh branch” — the verified location pin for IFSC PUNB0603900 should appear at the top of the results.
2. Confirm the branch is open by calling 1234567890 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 PUNB0603900 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0603900 for Punjab National Bank – CLPC CHANDIGARH, 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 Clpc 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 PUNB0603900 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0603900 belongs to Punjab National Bank's CLPC CHANDIGARH branch, located at CLPC BANK SQUARE PNB HOUSE SECTOR 17 B CHANDIGARH CH CHAND 160017 in CHANDIGARH, 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.