Use this page as a one-stop reference for everything related to Punjab National Bank's JAMMU BYE PASS branch in JAMMU, JAMMU AND KASHMIR. The branch's IFSC code PUNB0464200 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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 JAMMU BYE PASS branch, the IFSC PUNB0464200 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 464200 identifies this particular branch.
About Punjab National Bank
Punjab National Bank operates a wide network of branches across India, including the Jammu Bye Pass branch in Jammu. 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, PUNB0464200.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Jammu Bye Pass |
| IFSC Code | PUNB0464200 |
| MICR Code | Refer to cheque leaf |
| Branch Address | JAMMU BYE PASS C-274-276 MALOOFA COMPLEX |
| City | Jammu |
| District | Near Sainik Colony Byepass |
| State | Jammu and Kashmir |
About this branch
The branch is located at JAMMU BYE PASS C-274-276 MALOOFA COMPLEX. 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 PUNB0464200 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 JAMMU BYE PASS branch came to be assigned the code PUNB0464200.
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 PUNB0464200, money simply cannot be routed to the JAMMU BYE PASS branch electronically.
Account types you can open at the Jammu Bye Pass branch
Once you have an account at Punjab National Bank – JAMMU BYE PASS, the IFSC PUNB0464200 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 Jammu Bye Pass 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 PUNB0464200
How to transfer money using IFSC PUNB0464200
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 PUNB0464200 across all three.
NEFT to Punjab National Bank, JAMMU BYE PASS using IFSC PUNB0464200
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 PUNB0464200, and confirm that the system picks up Punjab National Bank – JAMMU BYE PASS. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to JAMMU BYE PASS
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's JAMMU BYE PASS branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0464200 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Punjab National Bank – JAMMU BYE PASS, use IMPS. With IFSC PUNB0464200 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Jammu Bye Pass
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC PUNB0464200:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at JAMMU BYE PASS is still linked to IFSC PUNB0464200.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
UPI payments and IFSC PUNB0464200
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 – JAMMU BYE PASS is still mapped to IFSC PUNB0464200. 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 PUNB0464200 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Jammu Bye Pass 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 PUNB0464200 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 PUNB0464200 and the account number together uniquely identify the Jammu Bye Pass 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 – JAMMU BYE PASS:
- The IFSC is exactly PUNB0464200 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 JAMMU BYE PASS 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 Jammu Bye Pass branch sits at JAMMU BYE PASS C-274-276 MALOOFA COMPLEX. If you are travelling from outside Jammu, 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 PUNB0464200 and your account number.
Verifying IFSC PUNB0464200 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 PUNB0464200 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 Jammu Bye Pass 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 PUNB0464200 continue to work without interruption.
Branch address & contact
Punjab National BankJammu Bye Pass Branch
JAMMU BYE PASS C-274-276 MALOOFA COMPLEX
Jammu, Jammu and Kashmir
Phone: the branch contact number
IFSC: PUNB0464200
Frequently asked questions
Does Punjab National Bank Jammu Bye Pass branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
What is the phone number of Punjab National Bank Jammu Bye Pass branch?
You can reach the branch at the branch contact number during regular banking hours.
What is the IFSC code of Punjab National Bank Jammu Bye Pass branch?
The IFSC code of Punjab National Bank, Jammu Bye Pass branch is PUNB0464200. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC PUNB0464200 the same for all accounts at Jammu Bye Pass branch?
Yes. The IFSC PUNB0464200 is shared by every account held at Punjab National Bank's Jammu Bye Pass branch. Only the account number changes from customer to customer.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Jammu Bye Pass branch but serve different purposes.
Is IFSC PUNB0464200 valid for NEFT and RTGS?
Yes. IFSC PUNB0464200 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC PUNB0464200 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0464200 to send funds instantly.
Summary
The IFSC code PUNB0464200 belongs to Punjab National Bank's JAMMU BYE PASS branch, located at JAMMU BYE PASS C-274-276 MALOOFA COMPLEX 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.
