IFSC Code of Punjab National Bank, Lumding College Rd, Distt. Nag Branch, Assam

If you are searching for the IFSC code of Punjab National Bank, LUMDING COLLEGE RD, DISTT. NAG branch in LUMDING, DISTT NAGAON, ASSAM, ASSAM, this page has every detail you need. The verified IFSC code for this branch is PUNB0321200. 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 LUMDING COLLEGE RD, DISTT. NAG branch, and detailed step-by-step guides for using the IFSC PUNB0321200 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 LUMDING COLLEGE RD, DISTT. NAG branch, the IFSC PUNB0321200 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 321200 identifies this particular branch.

Branch details at a glance

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Lumding College Rd, Distt. Nag branch in Lumding, Distt Nagaon, Assam. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, PUNB0321200.

Lumding College Rd, Distt. Nag branch overview

Located at COLLEGE ROAD, OPP. LUMDING POST OFFICE, the Lumding College Rd, Distt. Nag branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0321200 is required for all interbank electronic transfers routed through this branch.

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 LUMDING COLLEGE RD, DISTT. NAG of Punjab National Bank — its own 11-character IFSC. The code PUNB0321200 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 PUNB0321200 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC PUNB0321200

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 PUNB0321200 across all three.

How to use IFSC PUNB0321200 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's LUMDING COLLEGE RD, DISTT. NAG 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 PUNB0321200.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as LUMDING COLLEGE RD, DISTT. NAG.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC PUNB0321200

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 – LUMDING COLLEGE RD, DISTT. NAG, ensure your bank's portal accepts IFSC PUNB0321200 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Punjab National Bank – LUMDING COLLEGE RD, DISTT. NAG, use IMPS. With IFSC PUNB0321200 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Lumding College Rd, Distt. Nag

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 PUNB0321200:

• 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 LUMDING COLLEGE RD, DISTT. NAG is still linked to IFSC PUNB0321200.

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 PUNB0321200

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 – LUMDING COLLEGE RD, DISTT. NAG is still mapped to IFSC PUNB0321200. 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 PUNB0321200 and the beneficiary's account number to complete the transfer.

Account types you can open at the Lumding College Rd, Distt. Nag branch

Once you have an account at Punjab National Bank – LUMDING COLLEGE RD, DISTT. NAG, the IFSC PUNB0321200 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 Lumding College Rd, Distt. Nag 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 PUNB0321200

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 PUNB0321200 and the account number together uniquely identify the Lumding College Rd, Distt. Nag branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC PUNB0321200

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the LUMDING COLLEGE RD, DISTT. NAG 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 PUNB0321200 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.

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 – LUMDING COLLEGE RD, DISTT. NAG:

• The IFSC is exactly PUNB0321200 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 LUMDING COLLEGE RD, DISTT. NAG 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.

How to reach the Lumding College Rd, Distt. Nag branch

The branch is located at COLLEGE ROAD, OPP. LUMDING POST OFFICE, which puts it inside Lumding, Distt Nagaon, Assam, the broader Distt. Nagaon district, and the state of Assam. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Lumding College Rd, Distt. Nag branch” — the verified location pin for IFSC PUNB0321200 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 PUNB0321200 and your account number.

Verifying IFSC PUNB0321200 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 PUNB0321200 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 Lumding College Rd, Distt. Nag 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 PUNB0321200 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0321200 belongs to Punjab National Bank's LUMDING COLLEGE RD, DISTT. NAG branch, located at COLLEGE ROAD, OPP. LUMDING POST OFFICE in LUMDING, DISTT NAGAON, ASSAM, ASSAM. 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.