Below are the complete branch details for Punjab National Bank, BSF PALOURA branch, located in JAMMU, JAMMU AND KASHMIR. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0444000. 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 PUNB0444000 for Punjab National Bank – BSF PALOURA — 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 BSF PALOURA branch, the IFSC PUNB0444000 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 444000 identifies this particular branch.
About the bank
Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bsf Paloura branch in Jammu, Jammu and Kashmir is part of this network and uses the IFSC code PUNB0444000 for all electronic settlement.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Bsf Paloura |
| IFSC Code | PUNB0444000 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BSF CAMP, PALOURA, JAMMU |
| City | Jammu |
| District | Jammu |
| State | Jammu and Kashmir |
About this branch
The branch is located at BSF CAMP, PALOURA, JAMMU. It serves the Jammu 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 PUNB0444000 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 BSF PALOURA branch came to be assigned the code PUNB0444000.
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 PUNB0444000, money simply cannot be routed to the BSF PALOURA branch electronically.
Account types you can open at the Bsf Paloura branch
Once you have an account at Punjab National Bank – BSF PALOURA, the IFSC PUNB0444000 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 Bsf Paloura 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 PUNB0444000
How to transfer money using IFSC PUNB0444000
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 PUNB0444000 across all three.
How to use IFSC PUNB0444000 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's BSF PALOURA 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC PUNB0444000.
- Confirm the bank name auto-populates as Punjab National Bank and the branch as BSF PALOURA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC PUNB0444000
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 – BSF PALOURA, ensure your bank's portal accepts IFSC PUNB0444000 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Punjab National Bank BSF PALOURA (IFSC PUNB0444000)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0444000 in your mobile or internet banking app, and the money is credited to the BSF PALOURA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0444000 for Punjab National Bank – BSF PALOURA, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – PUNB0444000 | Yes – PUNB0444000 | Yes – PUNB0444000 |
For most retail customers crediting the Bsf Paloura 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 BSF PALOURA branch, the IFSC PUNB0444000 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.
Digital banking channels
Most day-to-day work that customers used to do at the Bsf Paloura 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 PUNB0444000 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.
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 PUNB0444000 and the account number together uniquely identify the Bsf Paloura 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 – BSF PALOURA:
- The IFSC is exactly PUNB0444000 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 BSF PALOURA 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.
How to reach the Bsf Paloura branch
The branch is located at BSF CAMP, PALOURA, JAMMU, which puts it inside Jammu, the broader Jammu district, and the state of Jammu and Kashmir. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Bsf Paloura branch” — the verified location pin for IFSC PUNB0444000 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
- 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 PUNB0444000 and your account number.
Verifying IFSC PUNB0444000 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 PUNB0444000 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.
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 Bsf Paloura branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0444000, however, work 24x7.
Branch address & contact
Punjab National BankBsf Paloura Branch
BSF CAMP, PALOURA, JAMMU
Jammu, Jammu and Kashmir
Phone: the branch contact number
IFSC: PUNB0444000
Frequently asked questions
What is the IFSC code of Punjab National Bank Bsf Paloura branch?
The IFSC code of Punjab National Bank, Bsf Paloura branch is PUNB0444000. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Punjab National Bank Bsf Paloura branch located?
Punjab National Bank's Bsf Paloura branch is located at BSF CAMP, PALOURA, JAMMU, Jammu, Jammu and Kashmir.
How quickly will an NEFT transfer using PUNB0444000 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Bsf Paloura reflect within 30 minutes.
How do I add Punjab National Bank Bsf Paloura as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0444000, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC PUNB0444000 the same for all accounts at Bsf Paloura branch?
Yes. The IFSC PUNB0444000 is shared by every account held at Punjab National Bank's Bsf Paloura branch. Only the account number changes from customer to customer.
What is the phone number of Punjab National Bank Bsf Paloura branch?
You can reach the branch at the branch contact number during regular banking hours.
Does Punjab National Bank Bsf Paloura branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Summary
The IFSC code PUNB0444000 belongs to Punjab National Bank's BSF PALOURA branch, located at BSF CAMP, PALOURA, JAMMU in JAMMU, JAMMU AND KASHMIR. 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.
