Use this page as a one-stop reference for everything related to Punjab National Bank's JAMMU RAGHU NATH BAZAR branch in JAMMU, JAMMU AND KASHMIR. The branch's IFSC code PUNB0194800 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.
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, PUNB0194800 is the IFSC of Punjab National Bank's JAMMU RAGHU NATH BAZAR branch. The format is fixed: PUNB = bank code, 0 = reserved, 194800 = branch identifier.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Jammu Raghu Nath Bazar |
| IFSC Code | PUNB0194800 |
| MICR Code | Refer to cheque leaf |
| Branch Address | RAGHU NATH BAZAR |
| City | Jammu |
| District | Jammu |
| State | Jammu and Kashmir |
About Punjab National Bank
Punjab National Bank operates a wide network of branches across India, including the Jammu Raghu Nath Bazar 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, PUNB0194800.
About this branch
The branch is located at RAGHU NATH BAZAR. 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 PUNB0194800 is used to identify this branch on the RBI payments network.
Why every Punjab National Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including JAMMU RAGHU NATH BAZAR of Punjab National Bank — its own 11-character IFSC. The code PUNB0194800 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC PUNB0194800 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC PUNB0194800
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 PUNB0194800 across all three.
NEFT to Punjab National Bank, JAMMU RAGHU NATH BAZAR using IFSC PUNB0194800
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 PUNB0194800, and confirm that the system picks up Punjab National Bank – JAMMU RAGHU NATH BAZAR. 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 RAGHU NATH BAZAR
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's JAMMU RAGHU NATH BAZAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0194800 while initiating the transfer and the credit will appear within minutes.
IMPS to Punjab National Bank JAMMU RAGHU NATH BAZAR (IFSC PUNB0194800)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0194800 in your mobile or internet banking app, and the money is credited to the JAMMU RAGHU NATH BAZAR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0194800 for Punjab National Bank – JAMMU RAGHU NATH BAZAR, 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 – PUNB0194800 | Yes – PUNB0194800 | Yes – PUNB0194800 |
For most retail customers crediting the Jammu Raghu Nath Bazar 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 PUNB0194800
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 RAGHU NATH BAZAR is still mapped to IFSC PUNB0194800. 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 PUNB0194800 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Jammu Raghu Nath Bazar branch is mapped to IFSC PUNB0194800 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 PUNB0194800.
Products and services
Customers walking into the Jammu Raghu Nath Bazar 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 PUNB0194800
MICR & cheque-truncation details
Cheques drawn on the Jammu Raghu Nath Bazar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0194800 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC PUNB0194800
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the JAMMU RAGHU NATH BAZAR 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 PUNB0194800 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.
Common mistakes to avoid when using IFSC PUNB0194800
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 – JAMMU RAGHU NATH BAZAR, 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:
PUNB0194800. - 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.
Reaching the branch
The Jammu Raghu Nath Bazar branch sits at RAGHU NATH BAZAR. 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 PUNB0194800 and your account number.
Verifying IFSC PUNB0194800 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 PUNB0194800 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 Raghu Nath Bazar 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 PUNB0194800 continue to work without interruption.
Branch address & contact
Punjab National BankJammu Raghu Nath Bazar Branch
RAGHU NATH BAZAR
Jammu, Jammu and Kashmir
Phone: the branch contact number
IFSC: PUNB0194800
Frequently asked questions
Is IFSC PUNB0194800 valid for NEFT and RTGS?
Yes. IFSC PUNB0194800 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC PUNB0194800 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0194800 to send funds instantly.
Where is Punjab National Bank Jammu Raghu Nath Bazar branch located?
Punjab National Bank's Jammu Raghu Nath Bazar branch is located at RAGHU NATH BAZAR, Jammu, Jammu and Kashmir.
How do I add Punjab National Bank Jammu Raghu Nath Bazar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0194800, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Raghu Nath Bazar branch but serve different purposes.
How quickly will an NEFT transfer using PUNB0194800 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Jammu Raghu Nath Bazar reflect within 30 minutes.
What is the IFSC code of Punjab National Bank Jammu Raghu Nath Bazar branch?
The IFSC code of Punjab National Bank, Jammu Raghu Nath Bazar branch is PUNB0194800. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC PUNB0194800 the same for all accounts at Jammu Raghu Nath Bazar branch?
Yes. The IFSC PUNB0194800 is shared by every account held at Punjab National Bank's Jammu Raghu Nath Bazar branch. Only the account number changes from customer to customer.
Summary
The IFSC code PUNB0194800 belongs to Punjab National Bank's JAMMU RAGHU NATH BAZAR branch, located at RAGHU NATH BAZAR 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.
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