Use this page as a one-stop reference for everything related to Punjab National Bank's JIGANI branch in JIGANI, KARNATAKA. The branch's IFSC code PUNB0945600 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.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Punjab National Bank – JIGANI is PUNB0945600. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 945600 map to this branch in JIGANI, KARNATAKA.
Bank profile
Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Jigani branch — IFSC PUNB0945600 — extends the bank's services to customers in and around Jigani, Karnataka.
About this branch
The branch is located at NO 5M IST FLOOR ABOVE BATA SHOWROOM. It serves the Jigani 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 PUNB0945600 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Jigani |
| IFSC Code | PUNB0945600 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO 5M IST FLOOR ABOVE BATA SHOWROOM |
| City | Jigani |
| District | Bangalore |
| State | Karnataka |
| STD Code | 80425 |
| Phone | 23765326 |
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 JIGANI branch came to be assigned the code PUNB0945600.
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 PUNB0945600, money simply cannot be routed to the JIGANI branch electronically.
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 PUNB0945600 and the account number together uniquely identify the Jigani branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC PUNB0945600
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 PUNB0945600 across all three.
How to use IFSC PUNB0945600 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's JIGANI 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 PUNB0945600.
- Confirm the bank name auto-populates as Punjab National Bank and the branch as JIGANI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to JIGANI
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's JIGANI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0945600 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 – JIGANI, use IMPS. With IFSC PUNB0945600 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 PUNB0945600 for Punjab National Bank – JIGANI, 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 – PUNB0945600 | Yes – PUNB0945600 | Yes – PUNB0945600 |
For most retail customers crediting the Jigani 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 PUNB0945600
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 – JIGANI is still mapped to IFSC PUNB0945600. 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 PUNB0945600 and the beneficiary's account number to complete the transfer.
Account types you can open at the Jigani branch
Once you have an account at Punjab National Bank – JIGANI, the IFSC PUNB0945600 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.
Banking services available
The Jigani branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 80425-23765326.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC PUNB0945600
Digital banking channels
Most day-to-day work that customers used to do at the Jigani 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 PUNB0945600 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.
How to reach the Jigani branch
The branch is located at NO 5M IST FLOOR ABOVE BATA SHOWROOM, which puts it inside Jigani, the broader Bangalore district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Jigani branch” — the verified location pin for IFSC PUNB0945600 should appear at the top of the results.
- Confirm the branch is open by calling 80425-23765326 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 PUNB0945600 and your account number.
Common mistakes to avoid when using IFSC PUNB0945600
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 – JIGANI, 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:
PUNB0945600. - 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.
Working hours
Branch counters at Jigani 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 PUNB0945600 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC PUNB0945600 for Punjab National Bank – JIGANI, 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 address & contact
Punjab National BankJigani Branch
NO 5M IST FLOOR ABOVE BATA SHOWROOM
Jigani, Karnataka
Phone: 80425-23765326
IFSC: PUNB0945600
Frequently asked questions
What is the IFSC code of Punjab National Bank Jigani branch?
The IFSC code of Punjab National Bank, Jigani branch is PUNB0945600. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using PUNB0945600 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Jigani reflect within 30 minutes.
Is IFSC PUNB0945600 valid for NEFT and RTGS?
Yes. IFSC PUNB0945600 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Punjab National Bank Jigani branch located?
Punjab National Bank's Jigani branch is located at NO 5M IST FLOOR ABOVE BATA SHOWROOM, Jigani, Karnataka.
Does Punjab National Bank Jigani branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 80425-23765326 to confirm.
How do I add Punjab National Bank Jigani as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0945600, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC PUNB0945600 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0945600 to send funds instantly.
Is IFSC PUNB0945600 the same for all accounts at Jigani branch?
Yes. The IFSC PUNB0945600 is shared by every account held at Punjab National Bank's Jigani branch. Only the account number changes from customer to customer.
Summary
The IFSC code PUNB0945600 belongs to Punjab National Bank's JIGANI branch, located at NO 5M IST FLOOR ABOVE BATA SHOWROOM in JIGANI, KARNATAKA. 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.
