IFSC Code of Punjab National Bank, Kawal, Distt. Muzaffar Nagar , Branch, Uttar Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, KAWAL, DISTT. MUZAFFAR NAGAR , branch in KAWAL, DT MUZAFFARNAGAR. The 11-digit IFSC PUNB0231300 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Punjab National Bank at the KAWAL, DISTT. MUZAFFAR NAGAR , location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 – KAWAL, DISTT. MUZAFFAR NAGAR , is PUNB0231300. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 231300 map to this branch in KAWAL, DT MUZAFFARNAGAR, UTTAR PRADESH.

Branch details at a glance

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Kawal, Distt. Muzaffar Nagar , branch in Kawal, Dt Muzaffarnagar. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, PUNB0231300.

About the Kawal, Distt. Muzaffar Nagar , branch

The Kawal, Distt. Muzaffar Nagar , branch of Punjab National Bank is situated at VPO KAWAL, TEHSIL JANSATH. 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 PUNB0231300 is used.

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 KAWAL, DISTT. MUZAFFAR NAGAR , branch came to be assigned the code PUNB0231300.

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 PUNB0231300, money simply cannot be routed to the KAWAL, DISTT. MUZAFFAR NAGAR , branch electronically.

How to transfer money using IFSC PUNB0231300

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 PUNB0231300 across all three.

How to use IFSC PUNB0231300 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's KAWAL, DISTT. MUZAFFAR NAGAR , 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 PUNB0231300.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as KAWAL, DISTT. MUZAFFAR NAGAR ,.
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 KAWAL, DISTT. MUZAFFAR NAGAR ,

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's KAWAL, DISTT. MUZAFFAR NAGAR , branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0231300 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank KAWAL, DISTT. MUZAFFAR NAGAR , (IFSC PUNB0231300)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0231300 in your mobile or internet banking app, and the money is credited to the KAWAL, DISTT. MUZAFFAR NAGAR , branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC PUNB0231300 for Punjab National Bank – KAWAL, DISTT. MUZAFFAR NAGAR ,, 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 Kawal, Distt. Muzaffar Nagar , 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 KAWAL, DISTT. MUZAFFAR NAGAR , branch, the IFSC PUNB0231300 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.

Products and account variants supported

Every account opened at the Kawal, Distt. Muzaffar Nagar , branch is mapped to IFSC PUNB0231300 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 PUNB0231300.

Products and services

Customers walking into the Kawal, Distt. Muzaffar Nagar , 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 PUNB0231300

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 PUNB0231300 and the account number together uniquely identify the Kawal, Distt. Muzaffar Nagar , branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC PUNB0231300

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the KAWAL, DISTT. MUZAFFAR NAGAR , 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 PUNB0231300 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.

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 – KAWAL, DISTT. MUZAFFAR NAGAR ,:

• The IFSC is exactly PUNB0231300 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 KAWAL, DISTT. MUZAFFAR NAGAR , 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 Kawal, Distt. Muzaffar Nagar , branch sits at VPO KAWAL, TEHSIL JANSATH. If you are travelling from outside Kawal, Dt 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 PUNB0231300 and your account number.

Verifying IFSC PUNB0231300 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 PUNB0231300 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 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 Kawal, Distt. Muzaffar Nagar , branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0231300, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0231300 belongs to Punjab National Bank's KAWAL, DISTT. MUZAFFAR NAGAR , branch, located at VPO KAWAL, TEHSIL JANSATH in KAWAL, DT MUZAFFARNAGAR, UTTAR PRADESH. 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.