IFSC Code of Punjab National Bank, Dharwad Subhash Road Market Branch, Karnataka

Below are the complete branch details for Punjab National Bank, DHARWAD SUBHASH ROAD MARKET branch, located in HUBLI, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0396100. 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 PUNB0396100 for Punjab National Bank – DHARWAD SUBHASH ROAD MARKET — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Punjab National Bank – DHARWAD SUBHASH ROAD MARKET is PUNB0396100. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 396100 map to this branch in HUBLI, KARNATAKA.

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 Dharwad Subhash Road Market branch in Hubli, Karnataka is part of this network and uses the IFSC code PUNB0396100 for all electronic settlement.

Dharwad Subhash Road Market branch overview

Located at SRIVATSA ARCADE, 1ST FLOOR, SUBHASH ROAD,, the Dharwad Subhash Road Market branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0396100 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 DHARWAD SUBHASH ROAD MARKET branch came to be assigned the code PUNB0396100.

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 PUNB0396100, money simply cannot be routed to the DHARWAD SUBHASH ROAD MARKET branch electronically.

How to transfer money using IFSC PUNB0396100

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 PUNB0396100 across all three.

NEFT to Punjab National Bank, DHARWAD SUBHASH ROAD MARKET using IFSC PUNB0396100

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 PUNB0396100, and confirm that the system picks up Punjab National Bank – DHARWAD SUBHASH ROAD MARKET. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PUNB0396100

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 – DHARWAD SUBHASH ROAD MARKET, ensure your bank's portal accepts IFSC PUNB0396100 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank DHARWAD SUBHASH ROAD MARKET (IFSC PUNB0396100)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0396100 in your mobile or internet banking app, and the money is credited to the DHARWAD SUBHASH ROAD MARKET branch account within seconds.

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

All three modes accept the IFSC PUNB0396100 for Punjab National Bank – DHARWAD SUBHASH ROAD MARKET, 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 Dharwad Subhash Road Market 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 PUNB0396100

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 – DHARWAD SUBHASH ROAD MARKET is still mapped to IFSC PUNB0396100. 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 PUNB0396100 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Dharwad Subhash Road Market branch is mapped to IFSC PUNB0396100 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 PUNB0396100.

Products and services

Customers walking into the Dharwad Subhash Road Market 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 PUNB0396100

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 PUNB0396100 and the account number together uniquely identify the Dharwad Subhash Road Market branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Dharwad Subhash Road Market 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 PUNB0396100 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.

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 – DHARWAD SUBHASH ROAD MARKET:

• The IFSC is exactly PUNB0396100 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 DHARWAD SUBHASH ROAD MARKET 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.

Reaching the branch

The Dharwad Subhash Road Market branch sits at SRIVATSA ARCADE, 1ST FLOOR, SUBHASH ROAD,. If you are travelling from outside Hubli, 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 PUNB0396100 and your account number.

Verifying IFSC PUNB0396100 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 PUNB0396100 by:

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

Working hours

Branch counters at Dharwad Subhash Road Market 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 PUNB0396100 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0396100 belongs to Punjab National Bank's DHARWAD SUBHASH ROAD MARKET branch, located at SRIVATSA ARCADE, 1ST FLOOR, SUBHASH ROAD, in HUBLI, KARNATAKA. 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.