IFSC Code of Punjab National Bank, Manali Dist-Kullu Branch, Himachal Pradesh

Use this page as a one-stop reference for everything related to Punjab National Bank's MANALI DIST-KULLU branch in KULLU MANALI, HIMACHAL PRADESH. The branch's IFSC code PUNB0193710 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 – MANALI DIST-KULLU is PUNB0193710. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 193710 map to this branch in KULLU MANALI, HIMACHAL PRADESH.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Manali Dist-Kullu branch — IFSC PUNB0193710 — extends the bank's services to customers in and around Kullu Manali, Himachal Pradesh.

Branch details at a glance

About this branch

The branch is located at HOTEL SAWAN RESIDENCY SCHOOL ROAD, THE MALL, 175131. It serves the Kullu Manali 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 PUNB0193710 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 MANALI DIST-KULLU branch came to be assigned the code PUNB0193710.

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 PUNB0193710, money simply cannot be routed to the MANALI DIST-KULLU branch electronically.

Products and account variants supported

Every account opened at the Manali Dist-Kullu branch is mapped to IFSC PUNB0193710 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 PUNB0193710.

Products and services

Customers walking into the Manali Dist-Kullu 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 PUNB0193710

How to transfer money using IFSC PUNB0193710

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 PUNB0193710 across all three.

NEFT to Punjab National Bank, MANALI DIST-KULLU using IFSC PUNB0193710

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 PUNB0193710, and confirm that the system picks up Punjab National Bank – MANALI DIST-KULLU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MANALI DIST-KULLU

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's MANALI DIST-KULLU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0193710 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank MANALI DIST-KULLU (IFSC PUNB0193710)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0193710 in your mobile or internet banking app, and the money is credited to the MANALI DIST-KULLU branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Manali Dist-Kullu

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 PUNB0193710:

• 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 MANALI DIST-KULLU is still linked to IFSC PUNB0193710.

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 PUNB0193710

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 – MANALI DIST-KULLU is still mapped to IFSC PUNB0193710. 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 PUNB0193710 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 Manali Dist-Kullu 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 PUNB0193710 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 Manali Dist-Kullu branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0193710 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 – MANALI DIST-KULLU:

• The IFSC is exactly PUNB0193710 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 MANALI DIST-KULLU 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 Manali Dist-Kullu branch sits at HOTEL SAWAN RESIDENCY SCHOOL ROAD, THE MALL, 175131. If you are travelling from outside Kullu Manali, search for the branch on a maps application using the bank name and locality, or call 1902-250104 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 PUNB0193710 and your account number.

Verifying IFSC PUNB0193710 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 PUNB0193710 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1902-250104.
• 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 Manali Dist-Kullu branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0193710, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0193710 belongs to Punjab National Bank's MANALI DIST-KULLU branch, located at HOTEL SAWAN RESIDENCY SCHOOL ROAD, THE MALL, 175131 in KULLU MANALI, HIMACHAL 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.