IFSC Code of Punjab National Bank, Shahdol Road Katni Branch, Madhya Pradesh

Use this page as a one-stop reference for everything related to Punjab National Bank's SHAHDOL ROAD KATNI branch in KAT, MADHYA PRADESH. The branch's IFSC code PUNB0972800 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 – SHAHDOL ROAD KATNI is PUNB0972800. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 972800 map to this branch in KAT, MADHYA PRADESH.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Shahdol Road Katni branch — IFSC PUNB0972800 — extends the bank's services to customers in and around Kat, Madhya Pradesh.

Branch details at a glance

Shahdol Road Katni branch overview

Located at KHIRHANI PHATAK VENKAT WARD SHAHDOL ROAD KATNI, the Shahdol Road Katni branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0972800 is required for all interbank electronic transfers routed through this branch.

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 SHAHDOL ROAD KATNI branch came to be assigned the code PUNB0972800.

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 PUNB0972800, money simply cannot be routed to the SHAHDOL ROAD KATNI branch electronically.

Products and account variants supported

Every account opened at the Shahdol Road Katni branch is mapped to IFSC PUNB0972800 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 PUNB0972800.

Products and services

Customers walking into the Shahdol Road Katni 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 PUNB0972800

How to transfer money using IFSC PUNB0972800

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 PUNB0972800 across all three.

How to use IFSC PUNB0972800 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's SHAHDOL ROAD KATNI 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 PUNB0972800.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as SHAHDOL ROAD KATNI.
5. 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 SHAHDOL ROAD KATNI

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's SHAHDOL ROAD KATNI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0972800 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank SHAHDOL ROAD KATNI (IFSC PUNB0972800)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0972800 in your mobile or internet banking app, and the money is credited to the SHAHDOL ROAD KATNI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Shahdol Road Katni

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 PUNB0972800:

• 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 SHAHDOL ROAD KATNI is still linked to IFSC PUNB0972800.

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 SHAHDOL ROAD KATNI branch, the IFSC PUNB0972800 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 Shahdol Road Katni 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 PUNB0972800 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 & cheque-truncation details

Cheques drawn on the Shahdol Road Katni branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0972800 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – SHAHDOL ROAD KATNI:

• The IFSC is exactly PUNB0972800 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 SHAHDOL ROAD KATNI 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.

Reaching the branch

The Shahdol Road Katni branch sits at KHIRHANI PHATAK VENKAT WARD SHAHDOL ROAD KATNI. If you are travelling from outside Kat, search for the branch on a maps application using the bank name and locality, or call 8989927639 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 PUNB0972800 and your account number.

Verifying IFSC PUNB0972800 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 PUNB0972800 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8989927639.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Shahdol Road Katni 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 PUNB0972800 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0972800 is the IFSC code of Punjab National Bank, SHAHDOL ROAD KATNI branch, in KAT, MADHYA 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.