IFSC Code of Punjab National Bank, Ferozepur M.L.M Sr.Sec.School Branch, Punjab

This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, FEROZEPUR M.L.M SR.SEC.SCHOOL branch in FIROZPUR. The 11-digit IFSC PUNB0103610 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 FEROZEPUR M.L.M SR.SEC.SCHOOL 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 – FEROZEPUR M.L.M SR.SEC.SCHOOL is PUNB0103610. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 103610 map to this branch in FIROZPUR, PUNJAB.

Branch details at a glance

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Ferozepur M.L.M Sr.Sec.School branch in Firozpur. 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, PUNB0103610.

About the Ferozepur M.L.M Sr.Sec.School branch

The Ferozepur M.L.M Sr.Sec.School branch of Punjab National Bank is situated at MLM SR.SEC SCHOOL RAILWAY RD, FEROZEPUR 152001. 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 PUNB0103610 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 FEROZEPUR M.L.M SR.SEC.SCHOOL branch came to be assigned the code PUNB0103610.

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 PUNB0103610, money simply cannot be routed to the FEROZEPUR M.L.M SR.SEC.SCHOOL branch electronically.

How to transfer money using IFSC PUNB0103610

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 PUNB0103610 across all three.

How to use IFSC PUNB0103610 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's FEROZEPUR M.L.M SR.SEC.SCHOOL 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC PUNB0103610.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as FEROZEPUR M.L.M SR.SEC.SCHOOL.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC PUNB0103610

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Punjab National Bank – FEROZEPUR M.L.M SR.SEC.SCHOOL, ensure your bank's portal accepts IFSC PUNB0103610 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Punjab National Bank – FEROZEPUR M.L.M SR.SEC.SCHOOL, use IMPS. With IFSC PUNB0103610 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Ferozepur M.L.M Sr.Sec.School

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 PUNB0103610:

• 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 FEROZEPUR M.L.M SR.SEC.SCHOOL is still linked to IFSC PUNB0103610.

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 FEROZEPUR M.L.M SR.SEC.SCHOOL branch, the IFSC PUNB0103610 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.

Products and account variants supported

Every account opened at the Ferozepur M.L.M Sr.Sec.School branch is mapped to IFSC PUNB0103610 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 PUNB0103610.

Banking services available

The Ferozepur M.L.M Sr.Sec.School branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1632-247343.

• 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 PUNB0103610

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 PUNB0103610 and the account number together uniquely identify the Ferozepur M.L.M Sr.Sec.School 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 Ferozepur M.L.M Sr.Sec.School 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 PUNB0103610 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.

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 – FEROZEPUR M.L.M SR.SEC.SCHOOL:

• The IFSC is exactly PUNB0103610 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 FEROZEPUR M.L.M SR.SEC.SCHOOL 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 Ferozepur M.L.M Sr.Sec.School branch sits at MLM SR.SEC SCHOOL RAILWAY RD, FEROZEPUR 152001. If you are travelling from outside Firozpur, search for the branch on a maps application using the bank name and locality, or call 1632-247343 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 PUNB0103610 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0103610 for Punjab National Bank – FEROZEPUR M.L.M SR.SEC.SCHOOL, 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.

Working hours

Branch counters at Ferozepur M.L.M Sr.Sec.School 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 PUNB0103610 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0103610 belongs to Punjab National Bank's FEROZEPUR M.L.M SR.SEC.SCHOOL branch, located at MLM SR.SEC SCHOOL RAILWAY RD, FEROZEPUR 152001 in FIROZPUR, 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.