IFSC Code of Punjab National Bank, Kaleke, Distt. Amritsar ,Punja Branch, Punjab

If you are searching for the IFSC code of Punjab National Bank, KALEKE, DISTT. AMRITSAR ,PUNJA branch in KALEKE ,DISTT-AMRITSAR, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is PUNB0104200. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KALEKE, DISTT. AMRITSAR ,PUNJA branch, and detailed step-by-step guides for using the IFSC PUNB0104200 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 KALEKE, DISTT. AMRITSAR ,PUNJA branch, the IFSC PUNB0104200 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 104200 identifies this particular branch.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kaleke, Distt. Amritsar ,Punja branch — IFSC PUNB0104200 — extends the bank's services to customers in and around Kaleke ,Distt-Amritsar, Punjab.

Branch details at a glance

About the Kaleke, Distt. Amritsar ,Punja branch

The Kaleke, Distt. Amritsar ,Punja branch of Punjab National Bank is situated at VPO-KALEKE (DISTT-AMRITSAR). Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code PUNB0104200 is used.

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 KALEKE, DISTT. AMRITSAR ,PUNJA branch came to be assigned the code PUNB0104200.

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 PUNB0104200, money simply cannot be routed to the KALEKE, DISTT. AMRITSAR ,PUNJA branch electronically.

Products and account variants supported

Every account opened at the Kaleke, Distt. Amritsar ,Punja branch is mapped to IFSC PUNB0104200 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 PUNB0104200.

Products and services

Customers walking into the Kaleke, Distt. Amritsar ,Punja 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 PUNB0104200

How to transfer money using IFSC PUNB0104200

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 PUNB0104200 across all three.

How to use IFSC PUNB0104200 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's KALEKE, DISTT. AMRITSAR ,PUNJA 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC PUNB0104200.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as KALEKE, DISTT. AMRITSAR ,PUNJA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC PUNB0104200

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 – KALEKE, DISTT. AMRITSAR ,PUNJA, ensure your bank's portal accepts IFSC PUNB0104200 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank KALEKE, DISTT. AMRITSAR ,PUNJA (IFSC PUNB0104200)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0104200 in your mobile or internet banking app, and the money is credited to the KALEKE, DISTT. AMRITSAR ,PUNJA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kaleke, Distt. Amritsar ,Punja

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 PUNB0104200:

• 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 KALEKE, DISTT. AMRITSAR ,PUNJA is still linked to IFSC PUNB0104200.

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.

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 KALEKE, DISTT. AMRITSAR ,PUNJA branch, the IFSC PUNB0104200 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.

Online banking and IFSC PUNB0104200

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the KALEKE, DISTT. AMRITSAR ,PUNJA 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 PUNB0104200 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.

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 PUNB0104200 and the account number together uniquely identify the Kaleke, Distt. Amritsar ,Punja branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC PUNB0104200

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 – KALEKE, DISTT. AMRITSAR ,PUNJA, 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: PUNB0104200.
• 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.

How to reach the Kaleke, Distt. Amritsar ,Punja branch

The branch is located at VPO-KALEKE (DISTT-AMRITSAR), which puts it inside Kaleke ,Distt-Amritsar, the broader Kaleke (distt-Amritsar) district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Kaleke, Distt. Amritsar ,Punja branch” — the verified location pin for IFSC PUNB0104200 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
3. 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 PUNB0104200 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0104200 for Punjab National Bank – KALEKE, DISTT. AMRITSAR ,PUNJA, 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 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 Kaleke, Distt. Amritsar ,Punja branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0104200, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0104200 belongs to Punjab National Bank's KALEKE, DISTT. AMRITSAR ,PUNJA branch, located at VPO-KALEKE (DISTT-AMRITSAR) in KALEKE ,DISTT-AMRITSAR, PUNJAB. 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.