IFSC Code of Punjab National Bank, Ganoh, Distt. Kangra ,Hp Branch, Himachal Pradesh

Below are the complete branch details for Punjab National Bank, GANOH, DISTT. KANGRA ,HP branch, located in GANOH, DT KANGRA, HP, HIMACHAL PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0302700. 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 PUNB0302700 for Punjab National Bank – GANOH, DISTT. KANGRA ,HP — 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 GANOH, DISTT. KANGRA ,HP branch, the IFSC PUNB0302700 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 302700 identifies this particular branch.

Branch details at a glance

About the bank

Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ganoh, Distt. Kangra ,Hp branch in Ganoh, Dt Kangra, Hp, Himachal Pradesh is part of this network and uses the IFSC code PUNB0302700 for all electronic settlement.

About the Ganoh, Distt. Kangra ,Hp branch

The Ganoh, Distt. Kangra ,Hp branch of Punjab National Bank is situated at VPO GANOH TEH. NOORPUR. 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 PUNB0302700 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 GANOH, DISTT. KANGRA ,HP branch came to be assigned the code PUNB0302700.

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 PUNB0302700, money simply cannot be routed to the GANOH, DISTT. KANGRA ,HP branch electronically.

How to transfer money using IFSC PUNB0302700

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 PUNB0302700 across all three.

How to use IFSC PUNB0302700 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's GANOH, DISTT. KANGRA ,HP 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 PUNB0302700.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as GANOH, DISTT. KANGRA ,HP.
5. 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 GANOH, DISTT. KANGRA ,HP

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's GANOH, DISTT. KANGRA ,HP branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0302700 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank GANOH, DISTT. KANGRA ,HP (IFSC PUNB0302700)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0302700 in your mobile or internet banking app, and the money is credited to the GANOH, DISTT. KANGRA ,HP branch account within seconds.

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

All three modes accept the IFSC PUNB0302700 for Punjab National Bank – GANOH, DISTT. KANGRA ,HP, 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 Ganoh, Distt. Kangra ,Hp 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.

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 GANOH, DISTT. KANGRA ,HP branch, the IFSC PUNB0302700 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 Ganoh, Distt. Kangra ,Hp branch is mapped to IFSC PUNB0302700 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 PUNB0302700.

Products and services

Customers walking into the Ganoh, Distt. Kangra ,Hp 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 PUNB0302700

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 PUNB0302700 and the account number together uniquely identify the Ganoh, Distt. Kangra ,Hp branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC PUNB0302700

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the GANOH, DISTT. KANGRA ,HP 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 PUNB0302700 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.

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 – GANOH, DISTT. KANGRA ,HP:

• The IFSC is exactly PUNB0302700 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 GANOH, DISTT. KANGRA ,HP 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.

How to reach the Ganoh, Distt. Kangra ,Hp branch

The branch is located at VPO GANOH TEH. NOORPUR, which puts it inside Ganoh, Dt Kangra, Hp, the broader Ganoh, Dt Kangra, Hp district, and the state of Himachal Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Ganoh, Distt. Kangra ,Hp branch” — the verified location pin for IFSC PUNB0302700 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
3. 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 PUNB0302700 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0302700 for Punjab National Bank – GANOH, DISTT. KANGRA ,HP, 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.

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 Ganoh, Distt. Kangra ,Hp branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0302700, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0302700 is the IFSC code of Punjab National Bank, GANOH, DISTT. KANGRA ,HP branch, in GANOH, DT KANGRA, HP, HIMACHAL PRADESH. 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.