IFSC Code of Punjab National Bank, Kalyanpur, Distt. Muzaffarnaga Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Punjab National Bank's KALYANPUR, DISTT. MUZAFFARNAGA branch in KALYANPUR ,DISTT.MUZAFFARNAGAR, UTTAR PRADESH. The branch's IFSC code PUNB0148900 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 – KALYANPUR, DISTT. MUZAFFARNAGA is PUNB0148900. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 148900 map to this branch in KALYANPUR ,DISTT.MUZAFFARNAGAR, UTTAR PRADESH.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kalyanpur, Distt. Muzaffarnaga branch — IFSC PUNB0148900 — extends the bank's services to customers in and around Kalyanpur ,Distt.Muzaffarnagar, Uttar Pradesh.

Kalyanpur, Distt. Muzaffarnaga branch overview

Located at VILL KALYANPUR, PO TODA DISTT. MUZAFFARNAGA, the Kalyanpur, Distt. Muzaffarnaga branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0148900 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 KALYANPUR, DISTT. MUZAFFARNAGA branch came to be assigned the code PUNB0148900.

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 PUNB0148900, money simply cannot be routed to the KALYANPUR, DISTT. MUZAFFARNAGA 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 PUNB0148900 and the account number together uniquely identify the Kalyanpur, Distt. Muzaffarnaga branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC PUNB0148900

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 PUNB0148900 across all three.

NEFT to Punjab National Bank, KALYANPUR, DISTT. MUZAFFARNAGA using IFSC PUNB0148900

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 PUNB0148900, and confirm that the system picks up Punjab National Bank – KALYANPUR, DISTT. MUZAFFARNAGA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KALYANPUR, DISTT. MUZAFFARNAGA

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's KALYANPUR, DISTT. MUZAFFARNAGA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0148900 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 – KALYANPUR, DISTT. MUZAFFARNAGA, use IMPS. With IFSC PUNB0148900 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 PUNB0148900 for Punjab National Bank – KALYANPUR, DISTT. MUZAFFARNAGA, 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 Kalyanpur, Distt. Muzaffarnaga 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 PUNB0148900

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 – KALYANPUR, DISTT. MUZAFFARNAGA is still mapped to IFSC PUNB0148900. 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 PUNB0148900 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kalyanpur, Distt. Muzaffarnaga branch is mapped to IFSC PUNB0148900 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 PUNB0148900.

Banking services available

The Kalyanpur, Distt. Muzaffarnaga branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• 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 PUNB0148900

Online banking and IFSC PUNB0148900

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the KALYANPUR, DISTT. MUZAFFARNAGA 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 PUNB0148900 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.

Reaching the branch

The Kalyanpur, Distt. Muzaffarnaga branch sits at VILL KALYANPUR, PO TODA DISTT. MUZAFFARNAGA. If you are travelling from outside Kalyanpur ,Distt.Muzaffarnagar, 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 PUNB0148900 and your account number.

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 – KALYANPUR, DISTT. MUZAFFARNAGA:

• The IFSC is exactly PUNB0148900 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 KALYANPUR, DISTT. MUZAFFARNAGA 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.

Working hours

Branch counters at Kalyanpur, Distt. Muzaffarnaga 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 PUNB0148900 continue to work without interruption.

Verifying IFSC PUNB0148900 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 PUNB0148900 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 address & contact

Frequently asked questions

Final notes

To recap: PUNB0148900 is the IFSC code of Punjab National Bank, KALYANPUR, DISTT. MUZAFFARNAGA branch, in KALYANPUR ,DISTT.MUZAFFARNAGAR, UTTAR PRADESH. 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.