IFSC Code of Punjab National Bank, Lakhimpur Kheri, Distt. Lakhim Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Punjab National Bank's LAKHIMPUR KHERI, DISTT. LAKHIM branch in LAKHIMPUR KHERI, UTTAR PRADESH. The branch's IFSC code PUNB0028900 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.

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 LAKHIMPUR KHERI, DISTT. LAKHIM branch, the IFSC PUNB0028900 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 028900 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 Lakhimpur Kheri, Distt. Lakhim branch — IFSC PUNB0028900 — extends the bank's services to customers in and around Lakhimpur Kheri, Uttar Pradesh.

About the Lakhimpur Kheri, Distt. Lakhim branch

The Lakhimpur Kheri, Distt. Lakhim branch of Punjab National Bank is situated at NEAR KOTWALI,(UTTAR PRADESH). 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 PUNB0028900 is used.

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 LAKHIMPUR KHERI, DISTT. LAKHIM branch came to be assigned the code PUNB0028900.

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 PUNB0028900, money simply cannot be routed to the LAKHIMPUR KHERI, DISTT. LAKHIM branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Lakhimpur Kheri, Distt. Lakhim branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0028900 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 PUNB0028900

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 PUNB0028900 across all three.

How to use IFSC PUNB0028900 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's LAKHIMPUR KHERI, DISTT. LAKHIM branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC PUNB0028900.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as LAKHIMPUR KHERI, DISTT. LAKHIM.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to LAKHIMPUR KHERI, DISTT. LAKHIM

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's LAKHIMPUR KHERI, DISTT. LAKHIM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0028900 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank LAKHIMPUR KHERI, DISTT. LAKHIM (IFSC PUNB0028900)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0028900 in your mobile or internet banking app, and the money is credited to the LAKHIMPUR KHERI, DISTT. LAKHIM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Lakhimpur Kheri, Distt. Lakhim

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 PUNB0028900:

• 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 LAKHIMPUR KHERI, DISTT. LAKHIM is still linked to IFSC PUNB0028900.

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 PUNB0028900

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 – LAKHIMPUR KHERI, DISTT. LAKHIM is still mapped to IFSC PUNB0028900. 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 PUNB0028900 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Lakhimpur Kheri, Distt. Lakhim branch is mapped to IFSC PUNB0028900 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 PUNB0028900.

Banking services available

The Lakhimpur Kheri, Distt. Lakhim 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 PUNB0028900

Digital banking channels

Most day-to-day work that customers used to do at the Lakhimpur Kheri, Distt. Lakhim 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 PUNB0028900 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.

How to reach the Lakhimpur Kheri, Distt. Lakhim branch

The branch is located at NEAR KOTWALI,(UTTAR PRADESH), which puts it inside Lakhimpur Kheri, the broader Lakhimpur Kheri district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Lakhimpur Kheri, Distt. Lakhim branch” — the verified location pin for IFSC PUNB0028900 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 PUNB0028900 and your account number.

Common mistakes to avoid when using IFSC PUNB0028900

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 – LAKHIMPUR KHERI, DISTT. LAKHIM, 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: PUNB0028900.
• 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.

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 Lakhimpur Kheri, Distt. Lakhim branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0028900, however, work 24x7.

Verifying IFSC PUNB0028900 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 PUNB0028900 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0028900 belongs to Punjab National Bank's LAKHIMPUR KHERI, DISTT. LAKHIM branch, located at NEAR KOTWALI,(UTTAR PRADESH) in LAKHIMPUR KHERI, UTTAR 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.