Below are the complete branch details for Punjab National Bank, KHARKHARI branch, located in KHARKHARI, UTTARAKHAND. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0011410. 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 PUNB0011410 for Punjab National Bank – KHARKHARI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 KHARKHARI branch, the IFSC PUNB0011410 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 011410 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 Kharkhari branch — IFSC PUNB0011410 — extends the bank's services to customers in and around Kharkhari, Uttarakhand.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Kharkhari |
| IFSC Code | PUNB0011410 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NIRDHAN NIKETAN RISHIKESH ROAD 249401 |
| City | Kharkhari |
| District | Hardwar |
| State | Uttarakhand |
| STD Code | 1334 |
| Phone | 260425 |
About this branch
The branch is located at NIRDHAN NIKETAN RISHIKESH ROAD 249401. It serves the Kharkhari 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 PUNB0011410 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 KHARKHARI branch came to be assigned the code PUNB0011410.
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 PUNB0011410, money simply cannot be routed to the KHARKHARI branch electronically.
Products and account variants supported
Every account opened at the Kharkhari branch is mapped to IFSC PUNB0011410 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 PUNB0011410.
Products and services
Customers walking into the Kharkhari 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 PUNB0011410
How to transfer money using IFSC PUNB0011410
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 PUNB0011410 across all three.
NEFT to Punjab National Bank, KHARKHARI using IFSC PUNB0011410
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 PUNB0011410, and confirm that the system picks up Punjab National Bank – KHARKHARI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC PUNB0011410
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Punjab National Bank – KHARKHARI, ensure your bank's portal accepts IFSC PUNB0011410 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Punjab National Bank – KHARKHARI, use IMPS. With IFSC PUNB0011410 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 PUNB0011410 for Punjab National Bank – KHARKHARI, 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 – PUNB0011410 | Yes – PUNB0011410 | Yes – PUNB0011410 |
For most retail customers crediting the Kharkhari 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 KHARKHARI branch, the IFSC PUNB0011410 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.
Online banking and IFSC PUNB0011410
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the KHARKHARI 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 PUNB0011410 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.
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 PUNB0011410 and the account number together uniquely identify the Kharkhari branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC PUNB0011410
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Punjab National Bank – KHARKHARI, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
PUNB0011410. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
How to reach the Kharkhari branch
The branch is located at NIRDHAN NIKETAN RISHIKESH ROAD 249401, which puts it inside Kharkhari, the broader Hardwar district, and the state of Uttarakhand. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Kharkhari branch” — the verified location pin for IFSC PUNB0011410 should appear at the top of the results.
- Confirm the branch is open by calling 1334-260425 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 PUNB0011410 and your account number.
Verifying IFSC PUNB0011410 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 PUNB0011410 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1334-260425.
- 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 Kharkhari branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0011410, however, work 24x7.
Branch address & contact
Punjab National BankKharkhari Branch
NIRDHAN NIKETAN RISHIKESH ROAD 249401
Kharkhari, Uttarakhand
Phone: 1334-260425
IFSC: PUNB0011410
Frequently asked questions
How do I add Punjab National Bank Kharkhari as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0011410, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using PUNB0011410 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Kharkhari reflect within 30 minutes.
What is the IFSC code of Punjab National Bank Kharkhari branch?
The IFSC code of Punjab National Bank, Kharkhari branch is PUNB0011410. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Kharkhari branch but serve different purposes.
Is IFSC PUNB0011410 valid for NEFT and RTGS?
Yes. IFSC PUNB0011410 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC PUNB0011410 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0011410 to send funds instantly.
Is IFSC PUNB0011410 the same for all accounts at Kharkhari branch?
Yes. The IFSC PUNB0011410 is shared by every account held at Punjab National Bank's Kharkhari branch. Only the account number changes from customer to customer.
Where is Punjab National Bank Kharkhari branch located?
Punjab National Bank's Kharkhari branch is located at NIRDHAN NIKETAN RISHIKESH ROAD 249401, Kharkhari, Uttarakhand.
Summary
The IFSC code PUNB0011410 belongs to Punjab National Bank's KHARKHARI branch, located at NIRDHAN NIKETAN RISHIKESH ROAD 249401 in KHARKHARI, UTTARAKHAND. 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.
