IFSC Code of Punjab National Bank, Circle Sastra Center Jalandhar East Branch, Punjab

Below are the complete branch details for Punjab National Bank, CIRCLE SASTRA CENTER JALANDHAR EAST branch, located in JALANDHAR, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0824900. 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 PUNB0824900 for Punjab National Bank – CIRCLE SASTRA CENTER JALANDHAR EAST — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 CIRCLE SASTRA CENTER JALANDHAR EAST branch, the IFSC PUNB0824900 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 824900 identifies this particular branch.

Branch details at a glance

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Circle Sastra Center Jalandhar East branch in Jalandhar. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, PUNB0824900.

About the Circle Sastra Center Jalandhar East branch

The Circle Sastra Center Jalandhar East branch of Punjab National Bank is situated at CIRCLE SASTRA CENTRE JLANDHAR EAST PB JALAN. 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 PUNB0824900 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 CIRCLE SASTRA CENTER JALANDHAR EAST branch came to be assigned the code PUNB0824900.

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 PUNB0824900, money simply cannot be routed to the CIRCLE SASTRA CENTER JALANDHAR EAST branch electronically.

How to transfer money using IFSC PUNB0824900

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 PUNB0824900 across all three.

NEFT to Punjab National Bank, CIRCLE SASTRA CENTER JALANDHAR EAST using IFSC PUNB0824900

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 PUNB0824900, and confirm that the system picks up Punjab National Bank – CIRCLE SASTRA CENTER JALANDHAR EAST. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CIRCLE SASTRA CENTER JALANDHAR EAST

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's CIRCLE SASTRA CENTER JALANDHAR EAST branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0824900 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank CIRCLE SASTRA CENTER JALANDHAR EAST (IFSC PUNB0824900)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0824900 in your mobile or internet banking app, and the money is credited to the CIRCLE SASTRA CENTER JALANDHAR EAST branch account within seconds.

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

All three modes accept the IFSC PUNB0824900 for Punjab National Bank – CIRCLE SASTRA CENTER JALANDHAR EAST, 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 Circle Sastra Center Jalandhar East 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 CIRCLE SASTRA CENTER JALANDHAR EAST branch, the IFSC PUNB0824900 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 Circle Sastra Center Jalandhar East branch

Once you have an account at Punjab National Bank – CIRCLE SASTRA CENTER JALANDHAR EAST, the IFSC PUNB0824900 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.

Products and services

Customers walking into the Circle Sastra Center Jalandhar East 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 PUNB0824900

MICR & cheque-truncation details

Cheques drawn on the Circle Sastra Center Jalandhar East branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0824900 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 Circle Sastra Center Jalandhar East 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 PUNB0824900 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 PUNB0824900

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 – CIRCLE SASTRA CENTER JALANDHAR EAST, 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: PUNB0824900.
• 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 Circle Sastra Center Jalandhar East branch

The branch is located at CIRCLE SASTRA CENTRE JLANDHAR EAST PB JALAN, which puts it inside Jalandhar, 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 Circle Sastra Center Jalandhar East branch” — the verified location pin for IFSC PUNB0824900 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 PUNB0824900 and your account number.

Verifying IFSC PUNB0824900 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 PUNB0824900 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 11-23765326.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Circle Sastra Center Jalandhar East 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 PUNB0824900 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0824900 belongs to Punjab National Bank's CIRCLE SASTRA CENTER JALANDHAR EAST branch, located at CIRCLE SASTRA CENTRE JLANDHAR EAST PB JALAN in JALANDHAR, 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.