IFSC Code of Punjab National Bank, Chowlgam, Distt. Kulgam ,Jk Branch, Jammu and Kashmir

Below are the complete branch details for Punjab National Bank, CHOWLGAM, DISTT. KULGAM ,JK branch, located in CHOWALGAM ,JK, JAMMU AND KASHMIR. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0269700. 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 PUNB0269700 for Punjab National Bank – CHOWLGAM, DISTT. KULGAM ,JK — 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 – CHOWLGAM, DISTT. KULGAM ,JK is PUNB0269700. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 269700 map to this branch in CHOWALGAM ,JK, JAMMU AND KASHMIR.

About the bank

Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Chowlgam, Distt. Kulgam ,Jk branch in Chowalgam ,Jk, Jammu and Kashmir is part of this network and uses the IFSC code PUNB0269700 for all electronic settlement.

About this branch

The branch is located at CHOWALGAM DISTT - KULGAM. It serves the Chowalgam ,Jk 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 PUNB0269700 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 CHOWLGAM, DISTT. KULGAM ,JK of Punjab National Bank — its own 11-character IFSC. The code PUNB0269700 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 PUNB0269700 the same way you would treat your account number — verify it once and save it carefully for future use.

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 PUNB0269700 and the account number together uniquely identify the Chowlgam, Distt. Kulgam ,Jk branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC PUNB0269700

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 PUNB0269700 across all three.

How to use IFSC PUNB0269700 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's CHOWLGAM, DISTT. KULGAM ,JK 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 PUNB0269700.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as CHOWLGAM, DISTT. KULGAM ,JK.
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 CHOWLGAM, DISTT. KULGAM ,JK

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's CHOWLGAM, DISTT. KULGAM ,JK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0269700 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank CHOWLGAM, DISTT. KULGAM ,JK (IFSC PUNB0269700)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0269700 in your mobile or internet banking app, and the money is credited to the CHOWLGAM, DISTT. KULGAM ,JK branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Chowlgam, Distt. Kulgam ,Jk

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 PUNB0269700:

• 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 CHOWLGAM, DISTT. KULGAM ,JK is still linked to IFSC PUNB0269700.

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 CHOWLGAM, DISTT. KULGAM ,JK branch, the IFSC PUNB0269700 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.

Account types you can open at the Chowlgam, Distt. Kulgam ,Jk branch

Once you have an account at Punjab National Bank – CHOWLGAM, DISTT. KULGAM ,JK, the IFSC PUNB0269700 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 Chowlgam, Distt. Kulgam ,Jk 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 PUNB0269700

Online banking and IFSC PUNB0269700

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the CHOWLGAM, DISTT. KULGAM ,JK 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 PUNB0269700 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.

Reaching the branch

The Chowlgam, Distt. Kulgam ,Jk branch sits at CHOWALGAM DISTT - KULGAM. If you are travelling from outside Chowalgam ,Jk, 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 PUNB0269700 and your account number.

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 – CHOWLGAM, DISTT. KULGAM ,JK:

• The IFSC is exactly PUNB0269700 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 CHOWLGAM, DISTT. KULGAM ,JK 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.

Working hours

Branch counters at Chowlgam, Distt. Kulgam ,Jk 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 PUNB0269700 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0269700 for Punjab National Bank – CHOWLGAM, DISTT. KULGAM ,JK, 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0269700 belongs to Punjab National Bank's CHOWLGAM, DISTT. KULGAM ,JK branch, located at CHOWALGAM DISTT - KULGAM in CHOWALGAM ,JK, JAMMU AND KASHMIR. 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.