IFSC Code of Punjab National Bank, Goindwal Sahib, Distt. Amritsa Branch, Punjab

Use this page as a one-stop reference for everything related to Punjab National Bank's GOINDWAL SAHIB, DISTT. AMRITSA branch in GOINDWAL ,DISTT-TARN TARAN, PUNJAB. The branch's IFSC code PUNB0193200 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.

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 GOINDWAL SAHIB, DISTT. AMRITSA branch, the IFSC PUNB0193200 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 193200 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 Goindwal Sahib, Distt. Amritsa branch — IFSC PUNB0193200 — extends the bank's services to customers in and around Goindwal ,Distt-Tarn Taran, Punjab.

Goindwal Sahib, Distt. Amritsa branch overview

Located at GOINDWAL DISTT- TARN TARAN (PB), the Goindwal Sahib, Distt. Amritsa branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0193200 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 GOINDWAL SAHIB, DISTT. AMRITSA branch came to be assigned the code PUNB0193200.

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 PUNB0193200, money simply cannot be routed to the GOINDWAL SAHIB, DISTT. AMRITSA branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Goindwal Sahib, Distt. Amritsa branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0193200 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC PUNB0193200

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 PUNB0193200 across all three.

NEFT to Punjab National Bank, GOINDWAL SAHIB, DISTT. AMRITSA using IFSC PUNB0193200

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 PUNB0193200, and confirm that the system picks up Punjab National Bank – GOINDWAL SAHIB, DISTT. AMRITSA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GOINDWAL SAHIB, DISTT. AMRITSA

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's GOINDWAL SAHIB, DISTT. AMRITSA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0193200 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 – GOINDWAL SAHIB, DISTT. AMRITSA, use IMPS. With IFSC PUNB0193200 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 Goindwal Sahib, Distt. Amritsa

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 PUNB0193200:

• 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 GOINDWAL SAHIB, DISTT. AMRITSA is still linked to IFSC PUNB0193200.

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.

UPI payments and IFSC PUNB0193200

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 – GOINDWAL SAHIB, DISTT. AMRITSA is still mapped to IFSC PUNB0193200. 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 PUNB0193200 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Goindwal Sahib, Distt. Amritsa branch is mapped to IFSC PUNB0193200 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 PUNB0193200.

Products and services

Customers walking into the Goindwal Sahib, Distt. Amritsa 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 PUNB0193200

Online banking and IFSC PUNB0193200

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the GOINDWAL SAHIB, DISTT. AMRITSA 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 PUNB0193200 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.

Reaching the branch

The Goindwal Sahib, Distt. Amritsa branch sits at GOINDWAL DISTT- TARN TARAN (PB). If you are travelling from outside Goindwal ,Distt-Tarn Taran, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 PUNB0193200 and your account number.

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 – GOINDWAL SAHIB, DISTT. AMRITSA:

• The IFSC is exactly PUNB0193200 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 GOINDWAL SAHIB, DISTT. AMRITSA 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.

Working hours

Branch counters at Goindwal Sahib, Distt. Amritsa 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 PUNB0193200 continue to work without interruption.

Verifying IFSC PUNB0193200 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 PUNB0193200 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

Frequently asked questions

Final notes

To recap: PUNB0193200 is the IFSC code of Punjab National Bank, GOINDWAL SAHIB, DISTT. AMRITSA branch, in GOINDWAL ,DISTT-TARN TARAN, PUNJAB. 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.