IFSC Code of Punjab National Bank, Dhulka, Distt. Amritsar ,Punja Branch, Punjab

This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, DHULKA, DISTT. AMRITSAR ,PUNJA branch in DHULKA ,DIST. AMRITSAR PB. The 11-digit IFSC PUNB0118700 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 DHULKA, DISTT. AMRITSAR ,PUNJA 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.

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 – DHULKA, DISTT. AMRITSAR ,PUNJA is PUNB0118700. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 118700 map to this branch in DHULKA ,DIST. AMRITSAR PB, PUNJAB.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Dhulka, Distt. Amritsar ,Punja branch — IFSC PUNB0118700 — extends the bank's services to customers in and around Dhulka ,Dist. Amritsar Pb, Punjab.

Branch details at a glance

Dhulka, Distt. Amritsar ,Punja branch overview

Located at VPO DHULKA, DISTT. AMRITSAR, the Dhulka, Distt. Amritsar ,Punja branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0118700 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 DHULKA, DISTT. AMRITSAR ,PUNJA of Punjab National Bank — its own 11-character IFSC. The code PUNB0118700 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 PUNB0118700 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Dhulka, Distt. Amritsar ,Punja branch is mapped to IFSC PUNB0118700 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 PUNB0118700.

Products and services

Customers walking into the Dhulka, Distt. Amritsar ,Punja 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 PUNB0118700

How to transfer money using IFSC PUNB0118700

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 PUNB0118700 across all three.

NEFT to Punjab National Bank, DHULKA, DISTT. AMRITSAR ,PUNJA using IFSC PUNB0118700

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 PUNB0118700, and confirm that the system picks up Punjab National Bank – DHULKA, DISTT. AMRITSAR ,PUNJA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to DHULKA, DISTT. AMRITSAR ,PUNJA

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's DHULKA, DISTT. AMRITSAR ,PUNJA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0118700 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank DHULKA, DISTT. AMRITSAR ,PUNJA (IFSC PUNB0118700)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0118700 in your mobile or internet banking app, and the money is credited to the DHULKA, DISTT. AMRITSAR ,PUNJA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC PUNB0118700 for Punjab National Bank – DHULKA, DISTT. AMRITSAR ,PUNJA, 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 Dhulka, Distt. Amritsar ,Punja 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 PUNB0118700

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 – DHULKA, DISTT. AMRITSAR ,PUNJA is still mapped to IFSC PUNB0118700. 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 PUNB0118700 and the beneficiary's account number to complete the transfer.

Online banking and IFSC PUNB0118700

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the DHULKA, DISTT. AMRITSAR ,PUNJA 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 PUNB0118700 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 PUNB0118700 and the account number together uniquely identify the Dhulka, Distt. Amritsar ,Punja 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 PUNB0118700

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 – DHULKA, DISTT. AMRITSAR ,PUNJA, 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: PUNB0118700.
• 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.

Reaching the branch

The Dhulka, Distt. Amritsar ,Punja branch sits at VPO DHULKA, DISTT. AMRITSAR. If you are travelling from outside Dhulka ,Dist. Amritsar Pb, 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 PUNB0118700 and your account number.

Verifying IFSC PUNB0118700 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 PUNB0118700 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 Dhulka, Distt. Amritsar ,Punja 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 PUNB0118700 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0118700 belongs to Punjab National Bank's DHULKA, DISTT. AMRITSAR ,PUNJA branch, located at VPO DHULKA, DISTT. AMRITSAR in DHULKA ,DIST. AMRITSAR PB, PUNJAB. 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.