Below are the complete branch details for Punjab National Bank, GHILAMARA branch, located in GHILAMARA, ASSAM. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0063320. 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 PUNB0063320 for Punjab National Bank – GHILAMARA — 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 GHILAMARA branch, the IFSC PUNB0063320 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 063320 identifies this particular branch.
Bank profile
Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ghilamara branch — IFSC PUNB0063320 — extends the bank's services to customers in and around Ghilamara, Assam.
Ghilamara branch overview
Located at GHILAMARA,LAKHIMPUR, the Ghilamara branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0063320 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Ghilamara |
| IFSC Code | PUNB0063320 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GHILAMARA,LAKHIMPUR |
| City | Ghilamara |
| District | Lakhimpur |
| State | Assam |
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 GHILAMARA branch came to be assigned the code PUNB0063320.
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 PUNB0063320, money simply cannot be routed to the GHILAMARA branch electronically.
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 PUNB0063320 and the account number together uniquely identify the Ghilamara branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC PUNB0063320
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 PUNB0063320 across all three.
NEFT to Punjab National Bank, GHILAMARA using IFSC PUNB0063320
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 PUNB0063320, and confirm that the system picks up Punjab National Bank – GHILAMARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC PUNB0063320
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 – GHILAMARA, ensure your bank's portal accepts IFSC PUNB0063320 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Punjab National Bank – GHILAMARA, use IMPS. With IFSC PUNB0063320 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 PUNB0063320 for Punjab National Bank – GHILAMARA, 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 – PUNB0063320 | Yes – PUNB0063320 | Yes – PUNB0063320 |
For most retail customers crediting the Ghilamara 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 GHILAMARA branch, the IFSC PUNB0063320 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 Ghilamara branch is mapped to IFSC PUNB0063320 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 PUNB0063320.
Products and services
Customers walking into the Ghilamara 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 PUNB0063320
Digital banking channels
Most day-to-day work that customers used to do at the Ghilamara 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 PUNB0063320 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.
How to reach the Ghilamara branch
The branch is located at GHILAMARA,LAKHIMPUR, which puts it inside Ghilamara, the broader Lakhimpur district, and the state of Assam. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Ghilamara branch” — the verified location pin for IFSC PUNB0063320 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 PUNB0063320 and your account number.
Common mistakes to avoid when using IFSC PUNB0063320
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 – GHILAMARA, 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:
PUNB0063320. - 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.
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 Ghilamara branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0063320, however, work 24x7.
Verifying IFSC PUNB0063320 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 PUNB0063320 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.
Branch address & contact
Punjab National BankGhilamara Branch
GHILAMARA,LAKHIMPUR
Ghilamara, Assam
Phone: the branch contact number
IFSC: PUNB0063320
Frequently asked questions
What is the IFSC code of Punjab National Bank Ghilamara branch?
The IFSC code of Punjab National Bank, Ghilamara branch is PUNB0063320. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using PUNB0063320 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Ghilamara reflect within 30 minutes.
Is IFSC PUNB0063320 valid for NEFT and RTGS?
Yes. IFSC PUNB0063320 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC PUNB0063320 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0063320 to send funds instantly.
What is the phone number of Punjab National Bank Ghilamara branch?
You can reach the branch at the branch contact number during regular banking hours.
How do I add Punjab National Bank Ghilamara as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0063320, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Punjab National Bank Ghilamara branch located?
Punjab National Bank's Ghilamara branch is located at GHILAMARA,LAKHIMPUR, Ghilamara, Assam.
Is IFSC PUNB0063320 the same for all accounts at Ghilamara branch?
Yes. The IFSC PUNB0063320 is shared by every account held at Punjab National Bank's Ghilamara branch. Only the account number changes from customer to customer.
Summary
The IFSC code PUNB0063320 belongs to Punjab National Bank's GHILAMARA branch, located at GHILAMARA,LAKHIMPUR in GHILAMARA, ASSAM. 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.
