Use this page as a one-stop reference for everything related to Punjab National Bank's ERNAKULAM BROADWAY branch in ERNAKULAM, KERALA. The branch's IFSC code PUNB0105510 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.
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 – ERNAKULAM BROADWAY is PUNB0105510. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 105510 map to this branch in ERNAKULAM, KERALA.
About Punjab National Bank
Punjab National Bank operates a wide network of branches across India, including the Ernakulam Broadway branch in Ernakulam. 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, PUNB0105510.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Ernakulam Broadway |
| IFSC Code | PUNB0105510 |
| MICR Code | Refer to cheque leaf |
| Branch Address | XL5116BROADWAY OPPST MARYS BASILIC 682031 |
| City | Ernakulam |
| District | Ernakulam |
| State | Kerala |
| STD Code | 484 |
| Phone | 2353777 |
Ernakulam Broadway branch overview
Located at XL5116BROADWAY OPPST MARYS BASILIC 682031, the Ernakulam Broadway branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0105510 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 ERNAKULAM BROADWAY of Punjab National Bank — its own 11-character IFSC. The code PUNB0105510 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 PUNB0105510 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Ernakulam Broadway branch
Once you have an account at Punjab National Bank – ERNAKULAM BROADWAY, the IFSC PUNB0105510 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 Ernakulam Broadway branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 484-2353777.
- 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 PUNB0105510
How to transfer money using IFSC PUNB0105510
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 PUNB0105510 across all three.
How to use IFSC PUNB0105510 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's ERNAKULAM BROADWAY 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 PUNB0105510.
- Confirm the bank name auto-populates as Punjab National Bank and the branch as ERNAKULAM BROADWAY.
- 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 ERNAKULAM BROADWAY
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's ERNAKULAM BROADWAY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0105510 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 – ERNAKULAM BROADWAY, use IMPS. With IFSC PUNB0105510 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 PUNB0105510 for Punjab National Bank – ERNAKULAM BROADWAY, 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 – PUNB0105510 | Yes – PUNB0105510 | Yes – PUNB0105510 |
For most retail customers crediting the Ernakulam Broadway 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 PUNB0105510
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 – ERNAKULAM BROADWAY is still mapped to IFSC PUNB0105510. 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 PUNB0105510 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 Ernakulam Broadway 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 PUNB0105510 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 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 PUNB0105510 and the account number together uniquely identify the Ernakulam Broadway branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – ERNAKULAM BROADWAY:
- The IFSC is exactly PUNB0105510 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 ERNAKULAM BROADWAY 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.
Reaching the branch
The Ernakulam Broadway branch sits at XL5116BROADWAY OPPST MARYS BASILIC 682031. If you are travelling from outside Ernakulam, search for the branch on a maps application using the bank name and locality, or call 484-2353777 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 PUNB0105510 and your account number.
Verifying IFSC PUNB0105510 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 PUNB0105510 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 484-2353777.
- 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 Ernakulam Broadway branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0105510, however, work 24x7.
Branch address & contact
Punjab National BankErnakulam Broadway Branch
XL5116BROADWAY OPPST MARYS BASILIC 682031
Ernakulam, Kerala
Phone: 484-2353777
IFSC: PUNB0105510
Frequently asked questions
Is IFSC PUNB0105510 the same for all accounts at Ernakulam Broadway branch?
Yes. The IFSC PUNB0105510 is shared by every account held at Punjab National Bank's Ernakulam Broadway branch. Only the account number changes from customer to customer.
Where is Punjab National Bank Ernakulam Broadway branch located?
Punjab National Bank's Ernakulam Broadway branch is located at XL5116BROADWAY OPPST MARYS BASILIC 682031, Ernakulam, Kerala.
Is IFSC PUNB0105510 valid for NEFT and RTGS?
Yes. IFSC PUNB0105510 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using PUNB0105510 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Ernakulam Broadway reflect within 30 minutes.
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 Ernakulam Broadway branch but serve different purposes.
What is the phone number of Punjab National Bank Ernakulam Broadway branch?
You can reach the branch at 484-2353777 during regular banking hours.
How do I add Punjab National Bank Ernakulam Broadway as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0105510, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: PUNB0105510 is the IFSC code of Punjab National Bank, ERNAKULAM BROADWAY branch, in ERNAKULAM, KERALA. 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.
