IFSC Code of Punjab National Bank, Clpc Guwahati Branch, Assam

Use this page as a one-stop reference for everything related to Punjab National Bank's CLPC GUWAHATI branch in GUWAHATI, ASSAM. The branch's IFSC code PUNB0655700 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, PUNB0655700 is the IFSC of Punjab National Bank's CLPC GUWAHATI branch. The format is fixed: PUNB = bank code, 0 = reserved, 655700 = branch identifier.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Clpc Guwahati branch — IFSC PUNB0655700 — extends the bank's services to customers in and around Guwahati, Assam.

About the Clpc Guwahati branch

The Clpc Guwahati branch of Punjab National Bank is situated at NILGIRI MANSION GS ROAD BHANGGARH. 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 PUNB0655700 is used.

Branch details at a glance

Why every Punjab National Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including CLPC GUWAHATI of Punjab National Bank — its own 11-character IFSC. The code PUNB0655700 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC PUNB0655700 the same way you would treat your account number — verify it once and save it carefully for future use.

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 PUNB0655700 and the account number together uniquely identify the Clpc Guwahati branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC PUNB0655700

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 PUNB0655700 across all three.

NEFT to Punjab National Bank, CLPC GUWAHATI using IFSC PUNB0655700

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 PUNB0655700, and confirm that the system picks up Punjab National Bank – CLPC GUWAHATI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PUNB0655700

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 – CLPC GUWAHATI, ensure your bank's portal accepts IFSC PUNB0655700 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank CLPC GUWAHATI (IFSC PUNB0655700)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0655700 in your mobile or internet banking app, and the money is credited to the CLPC GUWAHATI branch account within seconds.

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

All three modes accept the IFSC PUNB0655700 for Punjab National Bank – CLPC GUWAHATI, 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 Clpc Guwahati 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 PUNB0655700

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 – CLPC GUWAHATI is still mapped to IFSC PUNB0655700. 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 PUNB0655700 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Clpc Guwahati branch is mapped to IFSC PUNB0655700 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 PUNB0655700.

Banking services available

The Clpc Guwahati branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9436010757.

• 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 PUNB0655700

Digital banking channels

Most day-to-day work that customers used to do at the Clpc Guwahati 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 PUNB0655700 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.

Reaching the branch

The Clpc Guwahati branch sits at NILGIRI MANSION GS ROAD BHANGGARH. If you are travelling from outside Guwahati, search for the branch on a maps application using the bank name and locality, or call 9436010757 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 PUNB0655700 and your account number.

Common mistakes to avoid when using IFSC PUNB0655700

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 – CLPC GUWAHATI, 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: PUNB0655700.
• 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.

Working hours

Branch counters at Clpc Guwahati 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 PUNB0655700 continue to work without interruption.

Verifying IFSC PUNB0655700 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 PUNB0655700 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9436010757.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0655700 is the IFSC code of Punjab National Bank, CLPC GUWAHATI branch, in GUWAHATI, ASSAM. 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.