IFSC Code of Punjab National Bank, Shimla Byepass, Majra Chowk Branch, Uttarakhand

This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, SHIMLA BYEPASS, MAJRA CHOWK branch in DEHRADUN. The 11-digit IFSC PUNB0485400 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 SHIMLA BYEPASS, MAJRA CHOWK 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, PUNB0485400 is the IFSC of Punjab National Bank's SHIMLA BYEPASS, MAJRA CHOWK branch. The format is fixed: PUNB = bank code, 0 = reserved, 485400 = branch identifier.

Branch details at a glance

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Shimla Byepass, Majra Chowk branch — IFSC PUNB0485400 — extends the bank's services to customers in and around Dehradun, Uttarakhand.

About the Shimla Byepass, Majra Chowk branch

The Shimla Byepass, Majra Chowk branch of Punjab National Bank is situated at SHIMLA BYEPASS MAJRA CHOWK DEHRADUN. 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 PUNB0485400 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 SHIMLA BYEPASS, MAJRA CHOWK branch came to be assigned the code PUNB0485400.

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 PUNB0485400, money simply cannot be routed to the SHIMLA BYEPASS, MAJRA CHOWK branch electronically.

How to transfer money using IFSC PUNB0485400

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 PUNB0485400 across all three.

NEFT to Punjab National Bank, SHIMLA BYEPASS, MAJRA CHOWK using IFSC PUNB0485400

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 PUNB0485400, and confirm that the system picks up Punjab National Bank – SHIMLA BYEPASS, MAJRA CHOWK. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SHIMLA BYEPASS, MAJRA CHOWK

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's SHIMLA BYEPASS, MAJRA CHOWK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0485400 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank SHIMLA BYEPASS, MAJRA CHOWK (IFSC PUNB0485400)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0485400 in your mobile or internet banking app, and the money is credited to the SHIMLA BYEPASS, MAJRA CHOWK branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Shimla Byepass, Majra Chowk

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 PUNB0485400:

• 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 SHIMLA BYEPASS, MAJRA CHOWK is still linked to IFSC PUNB0485400.

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 SHIMLA BYEPASS, MAJRA CHOWK branch, the IFSC PUNB0485400 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 Shimla Byepass, Majra Chowk branch

Once you have an account at Punjab National Bank – SHIMLA BYEPASS, MAJRA CHOWK, the IFSC PUNB0485400 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 Shimla Byepass, Majra Chowk 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 PUNB0485400

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 PUNB0485400 and the account number together uniquely identify the Shimla Byepass, Majra Chowk branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC PUNB0485400

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the SHIMLA BYEPASS, MAJRA CHOWK 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 PUNB0485400 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.

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 – SHIMLA BYEPASS, MAJRA CHOWK:

• The IFSC is exactly PUNB0485400 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 SHIMLA BYEPASS, MAJRA CHOWK 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.

How to reach the Shimla Byepass, Majra Chowk branch

The branch is located at SHIMLA BYEPASS MAJRA CHOWK DEHRADUN, which puts it inside Dehradun, the broader Dist- Dehradun district, and the state of Uttarakhand. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Shimla Byepass, Majra Chowk branch” — the verified location pin for IFSC PUNB0485400 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 PUNB0485400 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0485400 for Punjab National Bank – SHIMLA BYEPASS, MAJRA CHOWK, 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 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 Shimla Byepass, Majra Chowk branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0485400, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0485400 belongs to Punjab National Bank's SHIMLA BYEPASS, MAJRA CHOWK branch, located at SHIMLA BYEPASS MAJRA CHOWK DEHRADUN in DEHRADUN, UTTARAKHAND. 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.