IFSC Code of Punjab National Bank, Charthawal,Distt. Muzaffer Nag Branch, Uttar Pradesh

Below are the complete branch details for Punjab National Bank, CHARTHAWAL,DISTT. MUZAFFER NAG branch, located in CHARTHAWAL UTTAR PRADESH, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0186410. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case PUNB0186410 for Punjab National Bank – CHARTHAWAL,DISTT. MUZAFFER NAG — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Punjab National Bank – CHARTHAWAL,DISTT. MUZAFFER NAG is PUNB0186410. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 186410 map to this branch in CHARTHAWAL UTTAR PRADESH, UTTAR PRADESH.

About the bank

Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Charthawal,Distt. Muzaffer Nag branch in Charthawal Uttar Pradesh, Uttar Pradesh is part of this network and uses the IFSC code PUNB0186410 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at OPP. SBI, MAIN ROAD, VPO. CHARTHWAL, 251311. It serves the Charthawal Uttar Pradesh 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 PUNB0186410 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 CHARTHAWAL,DISTT. MUZAFFER NAG branch came to be assigned the code PUNB0186410.

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 PUNB0186410, money simply cannot be routed to the CHARTHAWAL,DISTT. MUZAFFER NAG branch electronically.

Account types you can open at the Charthawal,Distt. Muzaffer Nag branch

Once you have an account at Punjab National Bank – CHARTHAWAL,DISTT. MUZAFFER NAG, the IFSC PUNB0186410 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 Charthawal,Distt. Muzaffer Nag branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 131-2462001.

• 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 PUNB0186410

How to transfer money using IFSC PUNB0186410

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 PUNB0186410 across all three.

How to use IFSC PUNB0186410 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's CHARTHAWAL,DISTT. MUZAFFER NAG 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 PUNB0186410.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as CHARTHAWAL,DISTT. MUZAFFER NAG.
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 CHARTHAWAL,DISTT. MUZAFFER NAG

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's CHARTHAWAL,DISTT. MUZAFFER NAG branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0186410 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 – CHARTHAWAL,DISTT. MUZAFFER NAG, use IMPS. With IFSC PUNB0186410 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 PUNB0186410 for Punjab National Bank – CHARTHAWAL,DISTT. MUZAFFER NAG, 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 Charthawal,Distt. Muzaffer Nag 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 PUNB0186410

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 – CHARTHAWAL,DISTT. MUZAFFER NAG is still mapped to IFSC PUNB0186410. 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 PUNB0186410 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Charthawal,Distt. Muzaffer Nag branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC PUNB0186410 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

MICR & cheque-truncation details

Cheques drawn on the Charthawal,Distt. Muzaffer Nag branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0186410 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 PUNB0186410

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 – CHARTHAWAL,DISTT. MUZAFFER NAG, 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: PUNB0186410.
• 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 Charthawal,Distt. Muzaffer Nag branch

The branch is located at OPP. SBI, MAIN ROAD, VPO. CHARTHWAL, 251311, which puts it inside Charthawal Uttar Pradesh, the broader Muzaffarnagar district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Charthawal,Distt. Muzaffer Nag branch” — the verified location pin for IFSC PUNB0186410 should appear at the top of the results.
2. Confirm the branch is open by calling 131-2462001 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 PUNB0186410 and your account number.

Verifying IFSC PUNB0186410 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 PUNB0186410 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 131-2462001.
• 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 Charthawal,Distt. Muzaffer Nag branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0186410, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0186410 is the IFSC code of Punjab National Bank, CHARTHAWAL,DISTT. MUZAFFER NAG branch, in CHARTHAWAL UTTAR PRADESH, UTTAR PRADESH. 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.