IFSC Code of Punjab National Bank, Hoshiarpur-Jalandhar Road Branch, Punjab

Use this page as a one-stop reference for everything related to Punjab National Bank's HOSHIARPUR-JALANDHAR ROAD branch in HOSHIARPUR, PUNJAB. The branch's IFSC code PUNB0085710 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, PUNB0085710 is the IFSC of Punjab National Bank's HOSHIARPUR-JALANDHAR ROAD branch. The format is fixed: PUNB = bank code, 0 = reserved, 085710 = 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 Hoshiarpur-Jalandhar Road branch — IFSC PUNB0085710 — extends the bank's services to customers in and around Hoshiarpur, Punjab.

About this branch

The branch is located at J.R.GOVT.POLYTECHNIC JALANDHAR ROAD 146001. It serves the Hoshiarpur 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 PUNB0085710 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 HOSHIARPUR-JALANDHAR ROAD branch came to be assigned the code PUNB0085710.

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 PUNB0085710, money simply cannot be routed to the HOSHIARPUR-JALANDHAR ROAD branch electronically.

How to transfer money using IFSC PUNB0085710

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 PUNB0085710 across all three.

NEFT to Punjab National Bank, HOSHIARPUR-JALANDHAR ROAD using IFSC PUNB0085710

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 PUNB0085710, and confirm that the system picks up Punjab National Bank – HOSHIARPUR-JALANDHAR ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to HOSHIARPUR-JALANDHAR ROAD

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's HOSHIARPUR-JALANDHAR ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0085710 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 – HOSHIARPUR-JALANDHAR ROAD, use IMPS. With IFSC PUNB0085710 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 PUNB0085710 for Punjab National Bank – HOSHIARPUR-JALANDHAR ROAD, 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 Hoshiarpur-Jalandhar Road 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 PUNB0085710

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 – HOSHIARPUR-JALANDHAR ROAD is still mapped to IFSC PUNB0085710. 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 PUNB0085710 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Hoshiarpur-Jalandhar Road branch is mapped to IFSC PUNB0085710 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 PUNB0085710.

Banking services available

The Hoshiarpur-Jalandhar Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1882-250760.

• 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 PUNB0085710

MICR & cheque-truncation details

Cheques drawn on the Hoshiarpur-Jalandhar Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0085710 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Hoshiarpur-Jalandhar Road 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 PUNB0085710 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.

Common mistakes to avoid when using IFSC PUNB0085710

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 – HOSHIARPUR-JALANDHAR ROAD, 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: PUNB0085710.
• 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 Hoshiarpur-Jalandhar Road branch

The branch is located at J.R.GOVT.POLYTECHNIC JALANDHAR ROAD 146001, which puts it inside Hoshiarpur, the broader Hoshiarpur district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Hoshiarpur-Jalandhar Road branch” — the verified location pin for IFSC PUNB0085710 should appear at the top of the results.
2. Confirm the branch is open by calling 1882-250760 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 PUNB0085710 and your account number.

Verifying IFSC PUNB0085710 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 PUNB0085710 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1882-250760.
• Visiting the bank's official branch locator page.

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 Hoshiarpur-Jalandhar Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0085710, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0085710 belongs to Punjab National Bank's HOSHIARPUR-JALANDHAR ROAD branch, located at J.R.GOVT.POLYTECHNIC JALANDHAR ROAD 146001 in HOSHIARPUR, PUNJAB. 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.