IFSC Code of Punjab National Bank, Khuda Lahora, Distt. Chandigar Branch, Chandigarh

Below are the complete branch details for Punjab National Bank, KHUDA LAHORA, DISTT. CHANDIGAR branch, located in KHUDA LAHORA, CHANDIGARH. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0117200. 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 PUNB0117200 for Punjab National Bank – KHUDA LAHORA, DISTT. CHANDIGAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, PUNB0117200 is the IFSC of Punjab National Bank's KHUDA LAHORA, DISTT. CHANDIGAR branch. The format is fixed: PUNB = bank code, 0 = reserved, 117200 = branch identifier.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Khuda Lahora, Distt. Chandigar branch — IFSC PUNB0117200 — extends the bank's services to customers in and around Khuda Lahora, Chandigarh.

Branch details at a glance

About this branch

The branch is located at KHUDA LAHORA. It serves the Khuda Lahora 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 PUNB0117200 is used to identify this branch on the RBI payments network.

Why every Punjab National Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including KHUDA LAHORA, DISTT. CHANDIGAR of Punjab National Bank — its own 11-character IFSC. The code PUNB0117200 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC PUNB0117200 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Khuda Lahora, Distt. Chandigar branch

Once you have an account at Punjab National Bank – KHUDA LAHORA, DISTT. CHANDIGAR, the IFSC PUNB0117200 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.

Banking services available

The Khuda Lahora, Distt. Chandigar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC PUNB0117200

How to transfer money using IFSC PUNB0117200

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 PUNB0117200 across all three.

NEFT to Punjab National Bank, KHUDA LAHORA, DISTT. CHANDIGAR using IFSC PUNB0117200

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 PUNB0117200, and confirm that the system picks up Punjab National Bank – KHUDA LAHORA, DISTT. CHANDIGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KHUDA LAHORA, DISTT. CHANDIGAR

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's KHUDA LAHORA, DISTT. CHANDIGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0117200 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank KHUDA LAHORA, DISTT. CHANDIGAR (IFSC PUNB0117200)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0117200 in your mobile or internet banking app, and the money is credited to the KHUDA LAHORA, DISTT. CHANDIGAR branch account within seconds.

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

All three modes accept the IFSC PUNB0117200 for Punjab National Bank – KHUDA LAHORA, DISTT. CHANDIGAR, 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 Khuda Lahora, Distt. Chandigar 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 KHUDA LAHORA, DISTT. CHANDIGAR branch, the IFSC PUNB0117200 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 PUNB0117200

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the KHUDA LAHORA, DISTT. CHANDIGAR 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 PUNB0117200 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 PUNB0117200 and the account number together uniquely identify the Khuda Lahora, Distt. Chandigar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – KHUDA LAHORA, DISTT. CHANDIGAR:

• The IFSC is exactly PUNB0117200 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 KHUDA LAHORA, DISTT. CHANDIGAR 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 Khuda Lahora, Distt. Chandigar branch sits at KHUDA LAHORA. If you are travelling from outside Khuda Lahora, 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 PUNB0117200 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0117200 for Punjab National Bank – KHUDA LAHORA, DISTT. CHANDIGAR, 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 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 Khuda Lahora, Distt. Chandigar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0117200, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0117200 is the IFSC code of Punjab National Bank, KHUDA LAHORA, DISTT. CHANDIGAR branch, in KHUDA LAHORA, CHANDIGARH. 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.