Below are the complete branch details for Punjab National Bank, PHINTER branch, located in KATHUA, JAMMU AND KASHMIR. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0927800. 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 PUNB0927800 for Punjab National Bank – PHINTER — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – PHINTER is PUNB0927800. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 927800 map to this branch in KATHUA, JAMMU AND KASHMIR.
About the bank
Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Phinter branch in Kathua, Jammu and Kashmir is part of this network and uses the IFSC code PUNB0927800 for all electronic settlement.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Phinter |
| IFSC Code | PUNB0927800 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BILLAWAR ROAD PHINTER JK BILLA 184203 |
| City | Kathua |
| District | Kathua |
| State | Jammu and Kashmir |
| STD Code | 11 |
| Phone | 23718172 |
About this branch
The branch is located at BILLAWAR ROAD PHINTER JK BILLA 184203. It serves the Kathua 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 PUNB0927800 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 PHINTER branch came to be assigned the code PUNB0927800.
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 PUNB0927800, money simply cannot be routed to the PHINTER branch electronically.
Products and account variants supported
Every account opened at the Phinter branch is mapped to IFSC PUNB0927800 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 PUNB0927800.
Products and services
Customers walking into the Phinter 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 PUNB0927800
How to transfer money using IFSC PUNB0927800
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 PUNB0927800 across all three.
NEFT to Punjab National Bank, PHINTER using IFSC PUNB0927800
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 PUNB0927800, and confirm that the system picks up Punjab National Bank – PHINTER. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to PHINTER
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's PHINTER branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0927800 while initiating the transfer and the credit will appear within minutes.
IMPS to Punjab National Bank PHINTER (IFSC PUNB0927800)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0927800 in your mobile or internet banking app, and the money is credited to the PHINTER branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Phinter
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 PUNB0927800:
- 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 PHINTER is still linked to IFSC PUNB0927800.
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 PHINTER branch, the IFSC PUNB0927800 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 Phinter 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 PUNB0927800 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 Phinter branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0927800 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 – PHINTER:
- The IFSC is exactly PUNB0927800 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 PHINTER 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 Phinter branch sits at BILLAWAR ROAD PHINTER JK BILLA 184203. If you are travelling from outside Kathua, search for the branch on a maps application using the bank name and locality, or call 11-23718172 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 PUNB0927800 and your account number.
Verifying IFSC PUNB0927800 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 PUNB0927800 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 11-23718172.
- 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 Phinter branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0927800, however, work 24x7.
Branch address & contact
Punjab National BankPhinter Branch
BILLAWAR ROAD PHINTER JK BILLA 184203
Kathua, Jammu and Kashmir
Phone: 11-23718172
IFSC: PUNB0927800
Frequently asked questions
How quickly will an NEFT transfer using PUNB0927800 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Phinter reflect within 30 minutes.
Is IFSC PUNB0927800 valid for NEFT and RTGS?
Yes. IFSC PUNB0927800 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC PUNB0927800 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0927800 to send funds instantly.
What is the phone number of Punjab National Bank Phinter branch?
You can reach the branch at 11-23718172 during regular banking hours.
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 Phinter branch but serve different purposes.
How do I add Punjab National Bank Phinter as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0927800, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Punjab National Bank Phinter branch?
The IFSC code of Punjab National Bank, Phinter branch is PUNB0927800. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code PUNB0927800 belongs to Punjab National Bank's PHINTER branch, located at BILLAWAR ROAD PHINTER JK BILLA 184203 in KATHUA, JAMMU AND KASHMIR. 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.
