IFSC Code of Punjab National Bank, Gordhi, Distt. Udhampur ,J K Branch, Jammu and Kashmir

Use this page as a one-stop reference for everything related to Punjab National Bank's GORDHI, DISTT. UDHAMPUR ,J K branch in GORDHI ,JK, JAMMU AND KASHMIR. The branch's IFSC code PUNB0134000 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, PUNB0134000 is the IFSC of Punjab National Bank's GORDHI, DISTT. UDHAMPUR ,J K branch. The format is fixed: PUNB = bank code, 0 = reserved, 134000 = branch identifier.

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Gordhi, Distt. Udhampur ,J K branch in Gordhi ,Jk. 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, PUNB0134000.

Branch details at a glance

About this branch

The branch is located at BLOCK GORDHI, DIST. J&K. It serves the Gordhi ,Jk region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Punjab National Bank. The IFSC PUNB0134000 is used to identify this branch on the RBI payments network.

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 GORDHI, DISTT. UDHAMPUR ,J K branch came to be assigned the code PUNB0134000.

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 PUNB0134000, money simply cannot be routed to the GORDHI, DISTT. UDHAMPUR ,J K branch electronically.

Account types you can open at the Gordhi, Distt. Udhampur ,J K branch

Once you have an account at Punjab National Bank – GORDHI, DISTT. UDHAMPUR ,J K, the IFSC PUNB0134000 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 Gordhi, Distt. Udhampur ,J K 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 PUNB0134000

How to transfer money using IFSC PUNB0134000

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 PUNB0134000 across all three.

How to use IFSC PUNB0134000 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's GORDHI, DISTT. UDHAMPUR ,J K 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 PUNB0134000.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as GORDHI, DISTT. UDHAMPUR ,J K.
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 GORDHI, DISTT. UDHAMPUR ,J K

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's GORDHI, DISTT. UDHAMPUR ,J K branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0134000 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 – GORDHI, DISTT. UDHAMPUR ,J K, use IMPS. With IFSC PUNB0134000 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 PUNB0134000 for Punjab National Bank – GORDHI, DISTT. UDHAMPUR ,J K, 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 Gordhi, Distt. Udhampur ,J K 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 PUNB0134000

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 – GORDHI, DISTT. UDHAMPUR ,J K is still mapped to IFSC PUNB0134000. 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 PUNB0134000 and the beneficiary's account number to complete the transfer.

Online banking and IFSC PUNB0134000

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the GORDHI, DISTT. UDHAMPUR ,J K 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 PUNB0134000 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.

MICR & cheque-truncation details

Cheques drawn on the Gordhi, Distt. Udhampur ,J K branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0134000 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC PUNB0134000

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 – GORDHI, DISTT. UDHAMPUR ,J K, 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: PUNB0134000.
• 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.

Reaching the branch

The Gordhi, Distt. Udhampur ,J K branch sits at BLOCK GORDHI, DIST. J&K. If you are travelling from outside Gordhi ,Jk, 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 PUNB0134000 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0134000 for Punjab National Bank – GORDHI, DISTT. UDHAMPUR ,J K, 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 Gordhi, Distt. Udhampur ,J K 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 PUNB0134000 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0134000 is the IFSC code of Punjab National Bank, GORDHI, DISTT. UDHAMPUR ,J K branch, in GORDHI ,JK, JAMMU AND KASHMIR. 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.