Use this page as a one-stop reference for everything related to Punjab National Bank's EDAPPAL branch in EDAPPAL ,KERALA, KERALA. The branch's IFSC code PUNB0426800 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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, PUNB0426800 is the IFSC of Punjab National Bank's EDAPPAL branch. The format is fixed: PUNB = bank code, 0 = reserved, 426800 = branch identifier.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Edappal |
| IFSC Code | PUNB0426800 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DOOR NO 8/3802, KUTTI PURAM ROAD |
| City | Edappal ,Kerala |
| District | Edappal, Distt Mallapuram |
| State | Kerala |
About Punjab National Bank
Punjab National Bank operates a wide network of branches across India, including the Edappal branch in Edappal ,Kerala. 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, PUNB0426800.
About the Edappal branch
The Edappal branch of Punjab National Bank is situated at DOOR NO 8/3802, KUTTI PURAM ROAD. 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 PUNB0426800 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 EDAPPAL branch came to be assigned the code PUNB0426800.
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 PUNB0426800, money simply cannot be routed to the EDAPPAL branch electronically.
How to transfer money using IFSC PUNB0426800
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 PUNB0426800 across all three.
How to use IFSC PUNB0426800 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's EDAPPAL 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC PUNB0426800.
- Confirm the bank name auto-populates as Punjab National Bank and the branch as EDAPPAL.
- 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 EDAPPAL
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's EDAPPAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0426800 while initiating the transfer and the credit will appear within minutes.
IMPS to Punjab National Bank EDAPPAL (IFSC PUNB0426800)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0426800 in your mobile or internet banking app, and the money is credited to the EDAPPAL branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0426800 for Punjab National Bank – EDAPPAL, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – PUNB0426800 | Yes – PUNB0426800 | Yes – PUNB0426800 |
For most retail customers crediting the Edappal 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 PUNB0426800
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 – EDAPPAL is still mapped to IFSC PUNB0426800. 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 PUNB0426800 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Edappal branch is mapped to IFSC PUNB0426800 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 PUNB0426800.
Products and services
Customers walking into the Edappal 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 PUNB0426800
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 PUNB0426800 and the account number together uniquely identify the Edappal branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Edappal 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 PUNB0426800 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.
Common mistakes to avoid when using IFSC PUNB0426800
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 – EDAPPAL, 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:
PUNB0426800. - 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 Edappal branch sits at DOOR NO 8/3802, KUTTI PURAM ROAD. If you are travelling from outside Edappal ,Kerala, 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 PUNB0426800 and your account number.
Verifying IFSC PUNB0426800 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 PUNB0426800 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 Edappal 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 PUNB0426800 continue to work without interruption.
Branch address & contact
Punjab National BankEdappal Branch
DOOR NO 8/3802, KUTTI PURAM ROAD
Edappal ,Kerala, Kerala
Phone: the branch contact number
IFSC: PUNB0426800
Frequently asked questions
Is IFSC PUNB0426800 valid for NEFT and RTGS?
Yes. IFSC PUNB0426800 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC PUNB0426800 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0426800 to send funds instantly.
Where is Punjab National Bank Edappal branch located?
Punjab National Bank's Edappal branch is located at DOOR NO 8/3802, KUTTI PURAM ROAD, Edappal ,Kerala, Kerala.
Is IFSC PUNB0426800 the same for all accounts at Edappal branch?
Yes. The IFSC PUNB0426800 is shared by every account held at Punjab National Bank's Edappal branch. Only the account number changes from customer to customer.
How do I add Punjab National Bank Edappal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0426800, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Punjab National Bank Edappal branch?
You can reach the branch at the branch contact number during regular banking hours.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Edappal branch but serve different purposes.
How quickly will an NEFT transfer using PUNB0426800 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Edappal reflect within 30 minutes.
Summary
The IFSC code PUNB0426800 belongs to Punjab National Bank's EDAPPAL branch, located at DOOR NO 8/3802, KUTTI PURAM ROAD in EDAPPAL ,KERALA, KERALA. 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.
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