IFSC Code of Punjab National Bank, Kollam, Q.S. Road Branch, Kerala

If you are searching for the IFSC code of Punjab National Bank, KOLLAM, Q.S. ROAD branch in KOLLAM, KERALA, this page has every detail you need. The verified IFSC code for this branch is PUNB0295100. 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 KOLLAM, Q.S. ROAD branch, and detailed step-by-step guides for using the IFSC PUNB0295100 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 KOLLAM, Q.S. ROAD branch, the IFSC PUNB0295100 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 295100 identifies this particular branch.

About the bank

Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kollam, Q.S. Road branch in Kollam, Kerala is part of this network and uses the IFSC code PUNB0295100 for all electronic settlement.

Branch details at a glance

About the Kollam, Q.S. Road branch

The Kollam, Q.S. Road branch of Punjab National Bank is situated at NO.500, Q.S. ROAD, KOLLAM. 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 PUNB0295100 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 KOLLAM, Q.S. ROAD branch came to be assigned the code PUNB0295100.

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 PUNB0295100, money simply cannot be routed to the KOLLAM, Q.S. ROAD branch electronically.

Products and account variants supported

Every account opened at the Kollam, Q.S. Road branch is mapped to IFSC PUNB0295100 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 PUNB0295100.

Products and services

Customers walking into the Kollam, Q.S. Road 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 PUNB0295100

How to transfer money using IFSC PUNB0295100

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 PUNB0295100 across all three.

NEFT to Punjab National Bank, KOLLAM, Q.S. ROAD using IFSC PUNB0295100

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 PUNB0295100, and confirm that the system picks up Punjab National Bank – KOLLAM, Q.S. ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PUNB0295100

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 – KOLLAM, Q.S. ROAD, ensure your bank's portal accepts IFSC PUNB0295100 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank KOLLAM, Q.S. ROAD (IFSC PUNB0295100)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0295100 in your mobile or internet banking app, and the money is credited to the KOLLAM, Q.S. ROAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kollam, Q.S. Road

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 PUNB0295100:

• 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 KOLLAM, Q.S. ROAD is still linked to IFSC PUNB0295100.

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.

UPI payments and IFSC PUNB0295100

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 – KOLLAM, Q.S. ROAD is still mapped to IFSC PUNB0295100. 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 PUNB0295100 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Kollam, Q.S. Road 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 PUNB0295100 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 Kollam, Q.S. Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0295100 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 – KOLLAM, Q.S. ROAD:

• The IFSC is exactly PUNB0295100 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 KOLLAM, Q.S. ROAD 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 Kollam, Q.S. Road branch sits at NO.500, Q.S. ROAD, KOLLAM. If you are travelling from outside Kollam, 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 PUNB0295100 and your account number.

Verifying IFSC PUNB0295100 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 PUNB0295100 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.

Working hours

Branch counters at Kollam, Q.S. Road are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to PUNB0295100 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0295100 belongs to Punjab National Bank's KOLLAM, Q.S. ROAD branch, located at NO.500, Q.S. ROAD, KOLLAM in KOLLAM, KERALA. 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.