Use this page as a one-stop reference for everything related to Punjab National Bank's NIGDHU branch in KARNAL, HARYANA. The branch's IFSC code PUNB0150110 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.
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 NIGDHU branch, the IFSC PUNB0150110 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 150110 identifies this particular branch.
About the bank
Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Nigdhu branch in Karnal, Haryana is part of this network and uses the IFSC code PUNB0150110 for all electronic settlement.
Nigdhu branch overview
Located at MAIN NILOKHERI-KARSA R VPO NIGDHU 132157, the Nigdhu branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0150110 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Nigdhu |
| IFSC Code | PUNB0150110 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MAIN NILOKHERI-KARSA R VPO NIGDHU 132157 |
| City | Karnal |
| District | Karnal |
| State | Haryana |
| STD Code | 1745 |
| Phone | 267021 |
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 NIGDHU branch came to be assigned the code PUNB0150110.
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 PUNB0150110, money simply cannot be routed to the NIGDHU 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 PUNB0150110 and the account number together uniquely identify the Nigdhu branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC PUNB0150110
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 PUNB0150110 across all three.
NEFT to Punjab National Bank, NIGDHU using IFSC PUNB0150110
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 PUNB0150110, and confirm that the system picks up Punjab National Bank – NIGDHU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to NIGDHU
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's NIGDHU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0150110 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 – NIGDHU, use IMPS. With IFSC PUNB0150110 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 PUNB0150110 for Punjab National Bank – NIGDHU, 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 – PUNB0150110 | Yes – PUNB0150110 | Yes – PUNB0150110 |
For most retail customers crediting the Nigdhu 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 NIGDHU branch, the IFSC PUNB0150110 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.
Account types you can open at the Nigdhu branch
Once you have an account at Punjab National Bank – NIGDHU, the IFSC PUNB0150110 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 Nigdhu branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1745-267021.
- 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 PUNB0150110
Online banking and IFSC PUNB0150110
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the NIGDHU 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 PUNB0150110 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.
How to reach the Nigdhu branch
The branch is located at MAIN NILOKHERI-KARSA R VPO NIGDHU 132157, which puts it inside Karnal, the broader Karnal district, and the state of Haryana. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Nigdhu branch” — the verified location pin for IFSC PUNB0150110 should appear at the top of the results.
- Confirm the branch is open by calling 1745-267021 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 PUNB0150110 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 – NIGDHU:
- The IFSC is exactly PUNB0150110 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 NIGDHU 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.
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 Nigdhu branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0150110, however, work 24x7.
Verifying IFSC PUNB0150110 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 PUNB0150110 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1745-267021.
- Visiting the bank's official branch locator page.
Branch address & contact
Punjab National BankNigdhu Branch
MAIN NILOKHERI-KARSA R VPO NIGDHU 132157
Karnal, Haryana
Phone: 1745-267021
IFSC: PUNB0150110
Frequently asked questions
Is IFSC PUNB0150110 the same for all accounts at Nigdhu branch?
Yes. The IFSC PUNB0150110 is shared by every account held at Punjab National Bank's Nigdhu branch. Only the account number changes from customer to customer.
Does Punjab National Bank Nigdhu branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1745-267021 to confirm.
How do I add Punjab National Bank Nigdhu as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0150110, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using PUNB0150110 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Nigdhu reflect within 30 minutes.
Can I use IFSC PUNB0150110 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0150110 to send funds instantly.
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 Nigdhu branch but serve different purposes.
Final notes
To recap: PUNB0150110 is the IFSC code of Punjab National Bank, NIGDHU branch, in KARNAL, HARYANA. 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.
