IFSC Code of Punjab National Bank, Hardoi Railway Ganj Branch, Uttar Pradesh

Below are the complete branch details for Punjab National Bank, HARDOI RAILWAY GANJ branch, located in HARDOI, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0186100. 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 PUNB0186100 for Punjab National Bank – HARDOI RAILWAY GANJ — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, PUNB0186100 is the IFSC of Punjab National Bank's HARDOI RAILWAY GANJ branch. The format is fixed: PUNB = bank code, 0 = reserved, 186100 = branch identifier.

Branch details at a glance

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Hardoi Railway Ganj branch — IFSC PUNB0186100 — extends the bank's services to customers in and around Hardoi, Uttar Pradesh.

Hardoi Railway Ganj branch overview

Located at NEAR RLY STATION,RAILWAY GANJ, HARDOI, UP, the Hardoi Railway Ganj branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0186100 is required for all interbank electronic transfers routed through this branch.

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 HARDOI RAILWAY GANJ branch came to be assigned the code PUNB0186100.

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 PUNB0186100, money simply cannot be routed to the HARDOI RAILWAY GANJ branch electronically.

How to transfer money using IFSC PUNB0186100

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 PUNB0186100 across all three.

NEFT to Punjab National Bank, HARDOI RAILWAY GANJ using IFSC PUNB0186100

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 PUNB0186100, and confirm that the system picks up Punjab National Bank – HARDOI RAILWAY GANJ. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to HARDOI RAILWAY GANJ

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's HARDOI RAILWAY GANJ branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0186100 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 – HARDOI RAILWAY GANJ, use IMPS. With IFSC PUNB0186100 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 Hardoi Railway Ganj

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 PUNB0186100:

• 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 HARDOI RAILWAY GANJ is still linked to IFSC PUNB0186100.

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.

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 HARDOI RAILWAY GANJ branch, the IFSC PUNB0186100 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 Hardoi Railway Ganj branch is mapped to IFSC PUNB0186100 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 PUNB0186100.

Products and services

Customers walking into the Hardoi Railway Ganj 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 PUNB0186100

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 PUNB0186100 and the account number together uniquely identify the Hardoi Railway Ganj branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC PUNB0186100

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the HARDOI RAILWAY GANJ 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 PUNB0186100 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.

Common mistakes to avoid when using IFSC PUNB0186100

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 – HARDOI RAILWAY GANJ, 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: PUNB0186100.
• 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.

How to reach the Hardoi Railway Ganj branch

The branch is located at NEAR RLY STATION,RAILWAY GANJ, HARDOI, UP, which puts it inside Hardoi, the broader Hardoi district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Hardoi Railway Ganj branch” — the verified location pin for IFSC PUNB0186100 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 PUNB0186100 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0186100 for Punjab National Bank – HARDOI RAILWAY GANJ, 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 Hardoi Railway Ganj branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0186100, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0186100 belongs to Punjab National Bank's HARDOI RAILWAY GANJ branch, located at NEAR RLY STATION,RAILWAY GANJ, HARDOI, UP in HARDOI, UTTAR PRADESH. 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.