IFSC Code of Punjab National Bank, Jalandhar-Overseas-Garha Road Branch, Punjab

Below are the complete branch details for Punjab National Bank, JALANDHAR-OVERSEAS-GARHA ROAD branch, located in JALANDHAR, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0088610. 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 PUNB0088610 for Punjab National Bank – JALANDHAR-OVERSEAS-GARHA ROAD — 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, PUNB0088610 is the IFSC of Punjab National Bank's JALANDHAR-OVERSEAS-GARHA ROAD branch. The format is fixed: PUNB = bank code, 0 = reserved, 088610 = branch identifier.

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Jalandhar-Overseas-Garha Road 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, PUNB0088610.

Branch details at a glance

About the Jalandhar-Overseas-Garha Road branch

The Jalandhar-Overseas-Garha Road branch of Punjab National Bank is situated at KARAN CHAMBERS 483,GARHA ROAD 144001. 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 PUNB0088610 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 JALANDHAR-OVERSEAS-GARHA ROAD branch came to be assigned the code PUNB0088610.

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 PUNB0088610, money simply cannot be routed to the JALANDHAR-OVERSEAS-GARHA ROAD branch electronically.

Products and account variants supported

Every account opened at the Jalandhar-Overseas-Garha Road branch is mapped to IFSC PUNB0088610 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 PUNB0088610.

Products and services

Customers walking into the Jalandhar-Overseas-Garha Road 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 PUNB0088610

How to transfer money using IFSC PUNB0088610

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 PUNB0088610 across all three.

How to use IFSC PUNB0088610 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's JALANDHAR-OVERSEAS-GARHA ROAD branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC PUNB0088610.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as JALANDHAR-OVERSEAS-GARHA ROAD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC PUNB0088610

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 – JALANDHAR-OVERSEAS-GARHA ROAD, ensure your bank's portal accepts IFSC PUNB0088610 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank JALANDHAR-OVERSEAS-GARHA ROAD (IFSC PUNB0088610)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0088610 in your mobile or internet banking app, and the money is credited to the JALANDHAR-OVERSEAS-GARHA ROAD branch account within seconds.

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

All three modes accept the IFSC PUNB0088610 for Punjab National Bank – JALANDHAR-OVERSEAS-GARHA 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 Jalandhar-Overseas-Garha 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 PUNB0088610

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 – JALANDHAR-OVERSEAS-GARHA ROAD is still mapped to IFSC PUNB0088610. 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 PUNB0088610 and the beneficiary's account number to complete the transfer.

Online banking and IFSC PUNB0088610

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the JALANDHAR-OVERSEAS-GARHA ROAD 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 PUNB0088610 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.

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 PUNB0088610 and the account number together uniquely identify the Jalandhar-Overseas-Garha Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – JALANDHAR-OVERSEAS-GARHA ROAD:

• The IFSC is exactly PUNB0088610 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 JALANDHAR-OVERSEAS-GARHA ROAD 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 Jalandhar-Overseas-Garha Road branch sits at KARAN CHAMBERS 483,GARHA ROAD 144001. If you are travelling from outside Jalandhar, search for the branch on a maps application using the bank name and locality, or call 181-2235769 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 PUNB0088610 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0088610 for Punjab National Bank – JALANDHAR-OVERSEAS-GARHA ROAD, 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 Jalandhar-Overseas-Garha Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0088610, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0088610 is the IFSC code of Punjab National Bank, JALANDHAR-OVERSEAS-GARHA ROAD branch, in JALANDHAR, 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.