IFSC Code of Punjab National Bank, Pholriwal-Distt Jalandhar Branch, Punjab

This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, PHOLRIWAL-DISTT JALANDHAR branch in JALANDHAR DISTT. The 11-digit IFSC PUNB0170610 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Punjab National Bank at the PHOLRIWAL-DISTT JALANDHAR location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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, PUNB0170610 is the IFSC of Punjab National Bank's PHOLRIWAL-DISTT JALANDHAR branch. The format is fixed: PUNB = bank code, 0 = reserved, 170610 = 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 Pholriwal-Distt Jalandhar branch — IFSC PUNB0170610 — extends the bank's services to customers in and around Jalandhar Distt, Punjab.

Pholriwal-Distt Jalandhar branch overview

Located at VILLAGE PHOLRIWAL DISTT JALANDHAR,PUNJAB 144001, the Pholriwal-Distt Jalandhar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0170610 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 PHOLRIWAL-DISTT JALANDHAR branch came to be assigned the code PUNB0170610.

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 PUNB0170610, money simply cannot be routed to the PHOLRIWAL-DISTT JALANDHAR branch electronically.

How to transfer money using IFSC PUNB0170610

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 PUNB0170610 across all three.

NEFT to Punjab National Bank, PHOLRIWAL-DISTT JALANDHAR using IFSC PUNB0170610

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 PUNB0170610, and confirm that the system picks up Punjab National Bank – PHOLRIWAL-DISTT JALANDHAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to PHOLRIWAL-DISTT JALANDHAR

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's PHOLRIWAL-DISTT JALANDHAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0170610 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank PHOLRIWAL-DISTT JALANDHAR (IFSC PUNB0170610)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0170610 in your mobile or internet banking app, and the money is credited to the PHOLRIWAL-DISTT JALANDHAR branch account within seconds.

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

All three modes accept the IFSC PUNB0170610 for Punjab National Bank – PHOLRIWAL-DISTT JALANDHAR, 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 Pholriwal-Distt Jalandhar 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.

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 PHOLRIWAL-DISTT JALANDHAR branch, the IFSC PUNB0170610 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.

Account types you can open at the Pholriwal-Distt Jalandhar branch

Once you have an account at Punjab National Bank – PHOLRIWAL-DISTT JALANDHAR, the IFSC PUNB0170610 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 Pholriwal-Distt Jalandhar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 181-2680058.

• 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 PUNB0170610

MICR & cheque-truncation details

Cheques drawn on the Pholriwal-Distt Jalandhar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0170610 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 Pholriwal-Distt Jalandhar 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 PUNB0170610 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 PUNB0170610

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 – PHOLRIWAL-DISTT JALANDHAR, 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: PUNB0170610.
• 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 Pholriwal-Distt Jalandhar branch

The branch is located at VILLAGE PHOLRIWAL DISTT JALANDHAR,PUNJAB 144001, which puts it inside Jalandhar Distt, the broader Jalandhar district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Pholriwal-Distt Jalandhar branch” — the verified location pin for IFSC PUNB0170610 should appear at the top of the results.
2. Confirm the branch is open by calling 181-2680058 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 PUNB0170610 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0170610 for Punjab National Bank – PHOLRIWAL-DISTT JALANDHAR, 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.

Working hours

Branch counters at Pholriwal-Distt Jalandhar 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 PUNB0170610 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0170610 is the IFSC code of Punjab National Bank, PHOLRIWAL-DISTT JALANDHAR branch, in JALANDHAR DISTT, PUNJAB. 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.