IFSC Code of Punjab National Bank, Ludhiana-Model Town Branch, Punjab

If you are searching for the IFSC code of Punjab National Bank, LUDHIANA-MODEL TOWN branch in LUDHIANA, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is PUNB0077710. 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 LUDHIANA-MODEL TOWN branch, and detailed step-by-step guides for using the IFSC PUNB0077710 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.

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 – LUDHIANA-MODEL TOWN is PUNB0077710. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 077710 map to this branch in LUDHIANA, PUNJAB.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ludhiana-Model Town branch — IFSC PUNB0077710 — extends the bank's services to customers in and around Ludhiana, Punjab.

Branch details at a glance

About this branch

The branch is located at 207-L MODEL TOWN 141001. It serves the 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 PUNB0077710 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 LUDHIANA-MODEL TOWN of Punjab National Bank — its own 11-character IFSC. The code PUNB0077710 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 PUNB0077710 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Ludhiana-Model Town branch is mapped to IFSC PUNB0077710 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 PUNB0077710.

Products and services

Customers walking into the Ludhiana-Model Town 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 PUNB0077710

How to transfer money using IFSC PUNB0077710

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 PUNB0077710 across all three.

NEFT to Punjab National Bank, LUDHIANA-MODEL TOWN using IFSC PUNB0077710

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 PUNB0077710, and confirm that the system picks up Punjab National Bank – LUDHIANA-MODEL TOWN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to LUDHIANA-MODEL TOWN

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's LUDHIANA-MODEL TOWN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0077710 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Punjab National Bank – LUDHIANA-MODEL TOWN, use IMPS. With IFSC PUNB0077710 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC PUNB0077710 for Punjab National Bank – LUDHIANA-MODEL TOWN, 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 Ludhiana-Model Town 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.

UPI payments and IFSC PUNB0077710

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 – LUDHIANA-MODEL TOWN is still mapped to IFSC PUNB0077710. 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 PUNB0077710 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 Ludhiana-Model Town 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 PUNB0077710 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 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 PUNB0077710 and the account number together uniquely identify the Ludhiana-Model Town branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC PUNB0077710

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 – LUDHIANA-MODEL TOWN, 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: PUNB0077710.
• 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.

Reaching the branch

The Ludhiana-Model Town branch sits at 207-L MODEL TOWN 141001. If you are travelling from outside Ludhiana, search for the branch on a maps application using the bank name and locality, or call 161-5092839 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 PUNB0077710 and your account number.

Verifying IFSC PUNB0077710 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 PUNB0077710 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 161-5092839.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Ludhiana-Model Town 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 PUNB0077710 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0077710 belongs to Punjab National Bank's LUDHIANA-MODEL TOWN branch, located at 207-L MODEL TOWN 141001 in LUDHIANA, PUNJAB. 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.