IFSC Code of Punjab National Bank, Iid Centre Govindsar Kathua Branch, Jammu and Kashmir

If you are searching for the IFSC code of Punjab National Bank, IID CENTRE GOVINDSAR KATHUA branch in KATUA, JAMMU AND KASHMIR, this page has every detail you need. The verified IFSC code for this branch is PUNB0004230. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the IID CENTRE GOVINDSAR KATHUA branch, and detailed step-by-step guides for using the IFSC PUNB0004230 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 IID CENTRE GOVINDSAR KATHUA branch, the IFSC PUNB0004230 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 004230 identifies this particular branch.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Iid Centre Govindsar Kathua branch — IFSC PUNB0004230 — extends the bank's services to customers in and around Katua, Jammu and Kashmir.

About the Iid Centre Govindsar Kathua branch

The Iid Centre Govindsar Kathua branch of Punjab National Bank is situated at IID CENTRE GOVIND SARDISTT KATHUA. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code PUNB0004230 is used.

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 IID CENTRE GOVINDSAR KATHUA branch came to be assigned the code PUNB0004230.

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 PUNB0004230, money simply cannot be routed to the IID CENTRE GOVINDSAR KATHUA branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Iid Centre Govindsar Kathua branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0004230 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC PUNB0004230

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 PUNB0004230 across all three.

How to use IFSC PUNB0004230 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's IID CENTRE GOVINDSAR KATHUA 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 PUNB0004230.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as IID CENTRE GOVINDSAR KATHUA.
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 IID CENTRE GOVINDSAR KATHUA

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's IID CENTRE GOVINDSAR KATHUA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0004230 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 – IID CENTRE GOVINDSAR KATHUA, use IMPS. With IFSC PUNB0004230 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 PUNB0004230 for Punjab National Bank – IID CENTRE GOVINDSAR KATHUA, 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 Iid Centre Govindsar Kathua 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 PUNB0004230

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 – IID CENTRE GOVINDSAR KATHUA is still mapped to IFSC PUNB0004230. 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 PUNB0004230 and the beneficiary's account number to complete the transfer.

Account types you can open at the Iid Centre Govindsar Kathua branch

Once you have an account at Punjab National Bank – IID CENTRE GOVINDSAR KATHUA, the IFSC PUNB0004230 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.

Products and services

Customers walking into the Iid Centre Govindsar Kathua 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 PUNB0004230

Digital banking channels

Most day-to-day work that customers used to do at the Iid Centre Govindsar Kathua 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 PUNB0004230 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.

Reaching the branch

The Iid Centre Govindsar Kathua branch sits at IID CENTRE GOVIND SARDISTT KATHUA. If you are travelling from outside Katua, 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 PUNB0004230 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 – IID CENTRE GOVINDSAR KATHUA:

• The IFSC is exactly PUNB0004230 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 IID CENTRE GOVINDSAR KATHUA 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 Iid Centre Govindsar Kathua branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0004230, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0004230 for Punjab National Bank – IID CENTRE GOVINDSAR KATHUA, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0004230 belongs to Punjab National Bank's IID CENTRE GOVINDSAR KATHUA branch, located at IID CENTRE GOVIND SARDISTT KATHUA in KATUA, 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.