IFSC Code of Punjab National Bank, Kum Kalan, Distt. Ludhiana ,Pu Branch, Punjab

This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, KUM KALAN, DISTT. LUDHIANA ,PU branch in KUM KALAN ,DISTT-LUDHIANA. The 11-digit IFSC PUNB0345900 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 KUM KALAN, DISTT. LUDHIANA ,PU 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.

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 KUM KALAN, DISTT. LUDHIANA ,PU branch, the IFSC PUNB0345900 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 345900 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 Kum Kalan, Distt. Ludhiana ,Pu branch — IFSC PUNB0345900 — extends the bank's services to customers in and around Kum Kalan ,Distt-Ludhiana, Punjab.

About this branch

The branch is located at VILL KUMKALAN. It serves the Kum Kalan ,Distt-Ludhiana 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 PUNB0345900 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 KUM KALAN, DISTT. LUDHIANA ,PU branch came to be assigned the code PUNB0345900.

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 PUNB0345900, money simply cannot be routed to the KUM KALAN, DISTT. LUDHIANA ,PU branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Kum Kalan, Distt. Ludhiana ,Pu branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0345900 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC PUNB0345900

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 PUNB0345900 across all three.

NEFT to Punjab National Bank, KUM KALAN, DISTT. LUDHIANA ,PU using IFSC PUNB0345900

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 PUNB0345900, and confirm that the system picks up Punjab National Bank – KUM KALAN, DISTT. LUDHIANA ,PU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KUM KALAN, DISTT. LUDHIANA ,PU

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's KUM KALAN, DISTT. LUDHIANA ,PU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0345900 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank KUM KALAN, DISTT. LUDHIANA ,PU (IFSC PUNB0345900)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0345900 in your mobile or internet banking app, and the money is credited to the KUM KALAN, DISTT. LUDHIANA ,PU branch account within seconds.

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

All three modes accept the IFSC PUNB0345900 for Punjab National Bank – KUM KALAN, DISTT. LUDHIANA ,PU, 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 Kum Kalan, Distt. Ludhiana ,Pu 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 KUM KALAN, DISTT. LUDHIANA ,PU branch, the IFSC PUNB0345900 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.

Account types you can open at the Kum Kalan, Distt. Ludhiana ,Pu branch

Once you have an account at Punjab National Bank – KUM KALAN, DISTT. LUDHIANA ,PU, the IFSC PUNB0345900 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.

Products and services

Customers walking into the Kum Kalan, Distt. Ludhiana ,Pu 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 PUNB0345900

Online banking and IFSC PUNB0345900

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the KUM KALAN, DISTT. LUDHIANA ,PU 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 PUNB0345900 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.

How to reach the Kum Kalan, Distt. Ludhiana ,Pu branch

The branch is located at VILL KUMKALAN, which puts it inside Kum Kalan ,Distt-Ludhiana, the broader Disttludhiana district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Kum Kalan, Distt. Ludhiana ,Pu branch” — the verified location pin for IFSC PUNB0345900 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
3. 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 PUNB0345900 and your account number.

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 – KUM KALAN, DISTT. LUDHIANA ,PU:

• The IFSC is exactly PUNB0345900 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 KUM KALAN, DISTT. LUDHIANA ,PU 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.

Working hours

Branch counters at Kum Kalan, Distt. Ludhiana ,Pu 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 PUNB0345900 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0345900 for Punjab National Bank – KUM KALAN, DISTT. LUDHIANA ,PU, 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 address & contact

Frequently asked questions

Final notes

To recap: PUNB0345900 is the IFSC code of Punjab National Bank, KUM KALAN, DISTT. LUDHIANA ,PU branch, in KUM KALAN ,DISTT-LUDHIANA, PUNJAB. 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.