IFSC Code of Punjab National Bank, Jamshedpur Gumori Market, Branch, Jharkhand

This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, JAMSHEDPUR GUMORI MARKET, branch in JAMSHEDPUR ,JHARKHAND. The 11-digit IFSC PUNB0304600 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Punjab National Bank at the JAMSHEDPUR GUMORI MARKET, location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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, PUNB0304600 is the IFSC of Punjab National Bank's JAMSHEDPUR GUMORI MARKET, branch. The format is fixed: PUNB = bank code, 0 = reserved, 304600 = branch identifier.

Branch details at a glance

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Jamshedpur Gumori Market, branch — IFSC PUNB0304600 — extends the bank's services to customers in and around Jamshedpur ,Jharkhand, Jharkhand.

About this branch

The branch is located at GOLMURI. It serves the Jamshedpur ,Jharkhand 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 PUNB0304600 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 JAMSHEDPUR GUMORI MARKET, branch came to be assigned the code PUNB0304600.

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 PUNB0304600, money simply cannot be routed to the JAMSHEDPUR GUMORI MARKET, branch electronically.

How to transfer money using IFSC PUNB0304600

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 PUNB0304600 across all three.

NEFT to Punjab National Bank, JAMSHEDPUR GUMORI MARKET, using IFSC PUNB0304600

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 PUNB0304600, and confirm that the system picks up Punjab National Bank – JAMSHEDPUR GUMORI MARKET,. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to JAMSHEDPUR GUMORI MARKET,

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's JAMSHEDPUR GUMORI MARKET, branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0304600 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 – JAMSHEDPUR GUMORI MARKET,, use IMPS. With IFSC PUNB0304600 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC PUNB0304600 for Punjab National Bank – JAMSHEDPUR GUMORI MARKET,, 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 Jamshedpur Gumori Market, 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 PUNB0304600

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 – JAMSHEDPUR GUMORI MARKET, is still mapped to IFSC PUNB0304600. 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 PUNB0304600 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Jamshedpur Gumori Market, branch is mapped to IFSC PUNB0304600 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 PUNB0304600.

Products and services

Customers walking into the Jamshedpur Gumori Market, 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 PUNB0304600

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 PUNB0304600 and the account number together uniquely identify the Jamshedpur Gumori Market, branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC PUNB0304600

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the JAMSHEDPUR GUMORI MARKET, 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 PUNB0304600 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.

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 – JAMSHEDPUR GUMORI MARKET,:

• The IFSC is exactly PUNB0304600 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 JAMSHEDPUR GUMORI MARKET, 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 Jamshedpur Gumori Market, branch sits at GOLMURI. If you are travelling from outside Jamshedpur ,Jharkhand, 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 PUNB0304600 and your account number.

Verifying IFSC PUNB0304600 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 PUNB0304600 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 Jamshedpur Gumori Market, branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0304600, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0304600 is the IFSC code of Punjab National Bank, JAMSHEDPUR GUMORI MARKET, branch, in JAMSHEDPUR ,JHARKHAND, JHARKHAND. 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.