Below are the complete branch details for Punjab National Bank, ERNAKULAM MAIN branch, located in ERNAKULAM, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0427100. 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 PUNB0427100 for Punjab National Bank – ERNAKULAM MAIN — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Punjab National Bank's ERNAKULAM MAIN branch, the IFSC PUNB0427100 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 427100 identifies this particular branch.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Ernakulam Main |
| IFSC Code | PUNB0427100 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO. 40/1471, MARKET ROAD, CONVENT JUNCTION |
| City | Ernakulam |
| District | Ernakulam |
| State | Kerala |
About the bank
Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ernakulam Main branch in Ernakulam, Kerala is part of this network and uses the IFSC code PUNB0427100 for all electronic settlement.
About the Ernakulam Main branch
The Ernakulam Main branch of Punjab National Bank is situated at NO. 40/1471, MARKET ROAD, CONVENT JUNCTION. 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 PUNB0427100 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 ERNAKULAM MAIN branch came to be assigned the code PUNB0427100.
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 PUNB0427100, money simply cannot be routed to the ERNAKULAM MAIN branch electronically.
How to transfer money using IFSC PUNB0427100
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 PUNB0427100 across all three.
NEFT to Punjab National Bank, ERNAKULAM MAIN using IFSC PUNB0427100
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 PUNB0427100, and confirm that the system picks up Punjab National Bank – ERNAKULAM MAIN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to ERNAKULAM MAIN
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's ERNAKULAM MAIN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0427100 while initiating the transfer and the credit will appear within minutes.
IMPS to Punjab National Bank ERNAKULAM MAIN (IFSC PUNB0427100)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0427100 in your mobile or internet banking app, and the money is credited to the ERNAKULAM MAIN branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0427100 for Punjab National Bank – ERNAKULAM MAIN, 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 – PUNB0427100 | Yes – PUNB0427100 | Yes – PUNB0427100 |
For most retail customers crediting the Ernakulam Main 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 PUNB0427100
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 MAIN is still mapped to IFSC PUNB0427100. 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 PUNB0427100 and the beneficiary's account number to complete the transfer.
Account types you can open at the Ernakulam Main branch
Once you have an account at Punjab National Bank – ERNAKULAM MAIN, the IFSC PUNB0427100 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 Ernakulam Main 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 PUNB0427100
MICR & cheque-truncation details
Cheques drawn on the Ernakulam Main branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0427100 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC PUNB0427100
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the ERNAKULAM MAIN 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 PUNB0427100 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.
Common mistakes to avoid when using IFSC PUNB0427100
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 – ERNAKULAM MAIN, 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:
PUNB0427100. - 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.
How to reach the Ernakulam Main branch
The branch is located at NO. 40/1471, MARKET ROAD, CONVENT JUNCTION, which puts it inside Ernakulam, the broader Ernakulam district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Ernakulam Main branch” — the verified location pin for IFSC PUNB0427100 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
- 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 PUNB0427100 and your account number.
Verifying IFSC PUNB0427100 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 PUNB0427100 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 Ernakulam Main 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 PUNB0427100 continue to work without interruption.
Branch address & contact
Punjab National BankErnakulam Main Branch
NO. 40/1471, MARKET ROAD, CONVENT JUNCTION
Ernakulam, Kerala
Phone: the branch contact number
IFSC: PUNB0427100
Frequently asked questions
Is IFSC PUNB0427100 valid for NEFT and RTGS?
Yes. IFSC PUNB0427100 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Punjab National Bank Ernakulam Main branch located?
Punjab National Bank's Ernakulam Main branch is located at NO. 40/1471, MARKET ROAD, CONVENT JUNCTION, Ernakulam, Kerala.
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 Main branch but serve different purposes.
How do I add Punjab National Bank Ernakulam Main as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0427100, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Punjab National Bank Ernakulam Main branch?
The IFSC code of Punjab National Bank, Ernakulam Main branch is PUNB0427100. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC PUNB0427100 the same for all accounts at Ernakulam Main branch?
Yes. The IFSC PUNB0427100 is shared by every account held at Punjab National Bank's Ernakulam Main branch. Only the account number changes from customer to customer.
Can I use IFSC PUNB0427100 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0427100 to send funds instantly.
Final notes
To recap: PUNB0427100 is the IFSC code of Punjab National Bank, ERNAKULAM MAIN 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.
