Below are the complete branch details for Punjab National Bank, KALEKE-DISTT BARNALA branch, located in KALKE, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0035510. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case PUNB0035510 for Punjab National Bank – KALEKE-DISTT BARNALA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, PUNB0035510 is the IFSC of Punjab National Bank's KALEKE-DISTT BARNALA branch. The format is fixed: PUNB = bank code, 0 = reserved, 035510 = branch identifier.
About the bank
Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kaleke-Distt Barnala branch in Kalke, Punjab is part of this network and uses the IFSC code PUNB0035510 for all electronic settlement.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Kaleke-Distt Barnala |
| IFSC Code | PUNB0035510 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL AND PO -KALEKE VIA DHANUALA 148105 |
| City | Kalke |
| District | Barnala |
| State | Punjab |
| STD Code | 1679 |
| Phone | 261153 |
About this branch
The branch is located at VILL AND PO -KALEKE VIA DHANUALA 148105. It serves the Kalke 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 PUNB0035510 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 KALEKE-DISTT BARNALA branch came to be assigned the code PUNB0035510.
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 PUNB0035510, money simply cannot be routed to the KALEKE-DISTT BARNALA branch electronically.
Products and account variants supported
Every account opened at the Kaleke-Distt Barnala branch is mapped to IFSC PUNB0035510 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 PUNB0035510.
Products and services
Customers walking into the Kaleke-Distt Barnala 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 PUNB0035510
How to transfer money using IFSC PUNB0035510
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 PUNB0035510 across all three.
NEFT to Punjab National Bank, KALEKE-DISTT BARNALA using IFSC PUNB0035510
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 PUNB0035510, and confirm that the system picks up Punjab National Bank – KALEKE-DISTT BARNALA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KALEKE-DISTT BARNALA
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's KALEKE-DISTT BARNALA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0035510 while initiating the transfer and the credit will appear within minutes.
IMPS to Punjab National Bank KALEKE-DISTT BARNALA (IFSC PUNB0035510)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0035510 in your mobile or internet banking app, and the money is credited to the KALEKE-DISTT BARNALA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0035510 for Punjab National Bank – KALEKE-DISTT BARNALA, 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 – PUNB0035510 | Yes – PUNB0035510 | Yes – PUNB0035510 |
For most retail customers crediting the Kaleke-Distt Barnala 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.
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 BARNALA branch, the IFSC PUNB0035510 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.
Digital banking channels
Most day-to-day work that customers used to do at the Kaleke-Distt Barnala 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 PUNB0035510 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 PUNB0035510 and the account number together uniquely identify the Kaleke-Distt Barnala 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 PUNB0035510
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 BARNALA, 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:
PUNB0035510. - 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 Barnala branch
The branch is located at VILL AND PO -KALEKE VIA DHANUALA 148105, which puts it inside Kalke, the broader Barnala district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Kaleke-Distt Barnala branch” — the verified location pin for IFSC PUNB0035510 should appear at the top of the results.
- Confirm the branch is open by calling 1679-261153 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 PUNB0035510 and your account number.
Verifying IFSC PUNB0035510 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 PUNB0035510 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1679-261153.
- 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 Kaleke-Distt Barnala branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0035510, however, work 24x7.
Branch address & contact
Punjab National BankKaleke-Distt Barnala Branch
VILL AND PO -KALEKE VIA DHANUALA 148105
Kalke, Punjab
Phone: 1679-261153
IFSC: PUNB0035510
Frequently asked questions
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 Kaleke-Distt Barnala branch but serve different purposes.
What is the phone number of Punjab National Bank Kaleke-Distt Barnala branch?
You can reach the branch at 1679-261153 during regular banking hours.
Where is Punjab National Bank Kaleke-Distt Barnala branch located?
Punjab National Bank's Kaleke-Distt Barnala branch is located at VILL AND PO -KALEKE VIA DHANUALA 148105, Kalke, Punjab.
How do I add Punjab National Bank Kaleke-Distt Barnala as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0035510, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Punjab National Bank Kaleke-Distt Barnala branch?
The IFSC code of Punjab National Bank, Kaleke-Distt Barnala branch is PUNB0035510. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC PUNB0035510 the same for all accounts at Kaleke-Distt Barnala branch?
Yes. The IFSC PUNB0035510 is shared by every account held at Punjab National Bank's Kaleke-Distt Barnala branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using PUNB0035510 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Kaleke-Distt Barnala reflect within 30 minutes.
Final notes
To recap: PUNB0035510 is the IFSC code of Punjab National Bank, KALEKE-DISTT BARNALA branch, in KALKE, PUNJAB. 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.
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