IFSC Code of Punjab National Bank, Currency Chest Duliajan Branch, Assam

Use this page as a one-stop reference for everything related to Punjab National Bank's CURRENCY CHEST DULIAJAN branch in GUWAHATI, ASSAM. The branch's IFSC code PUNB0893900 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 CURRENCY CHEST DULIAJAN branch, the IFSC PUNB0893900 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 893900 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 Currency Chest Duliajan branch in Guwahati, Assam is part of this network and uses the IFSC code PUNB0893900 for all electronic settlement.

About the Currency Chest Duliajan branch

The Currency Chest Duliajan branch of Punjab National Bank is situated at PNB DULIAJAN BRANCH PERCY EVENS ROAD AS DIBRU 786602. 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 PUNB0893900 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 CURRENCY CHEST DULIAJAN branch came to be assigned the code PUNB0893900.

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 PUNB0893900, money simply cannot be routed to the CURRENCY CHEST DULIAJAN branch electronically.

How to transfer money using IFSC PUNB0893900

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 PUNB0893900 across all three.

NEFT to Punjab National Bank, CURRENCY CHEST DULIAJAN using IFSC PUNB0893900

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 PUNB0893900, and confirm that the system picks up Punjab National Bank – CURRENCY CHEST DULIAJAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CURRENCY CHEST DULIAJAN

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's CURRENCY CHEST DULIAJAN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0893900 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank CURRENCY CHEST DULIAJAN (IFSC PUNB0893900)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0893900 in your mobile or internet banking app, and the money is credited to the CURRENCY CHEST DULIAJAN branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Currency Chest Duliajan

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 PUNB0893900:

• 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 CURRENCY CHEST DULIAJAN is still linked to IFSC PUNB0893900.

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 PUNB0893900

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 – CURRENCY CHEST DULIAJAN is still mapped to IFSC PUNB0893900. 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 PUNB0893900 and the beneficiary's account number to complete the transfer.

Account types you can open at the Currency Chest Duliajan branch

Once you have an account at Punjab National Bank – CURRENCY CHEST DULIAJAN, the IFSC PUNB0893900 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.

Banking services available

The Currency Chest Duliajan branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 11-23765326.

• 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 PUNB0893900

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 PUNB0893900 and the account number together uniquely identify the Currency Chest Duliajan branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC PUNB0893900

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the CURRENCY CHEST DULIAJAN 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 PUNB0893900 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 – CURRENCY CHEST DULIAJAN:

• The IFSC is exactly PUNB0893900 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 CURRENCY CHEST DULIAJAN 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 Currency Chest Duliajan branch

The branch is located at PNB DULIAJAN BRANCH PERCY EVENS ROAD AS DIBRU 786602, which puts it inside Guwahati, the broader Dibrugarh district, and the state of Assam. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Currency Chest Duliajan branch” — the verified location pin for IFSC PUNB0893900 should appear at the top of the results.
2. Confirm the branch is open by calling 11-23765326 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 PUNB0893900 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0893900 for Punjab National Bank – CURRENCY CHEST DULIAJAN, 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 Currency Chest Duliajan branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0893900, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0893900 is the IFSC code of Punjab National Bank, CURRENCY CHEST DULIAJAN 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.