Below are the complete branch details for Punjab National Bank, MAWKYRWAT branch, located in MAWKYRWAT, MEGHALAYA. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0944800. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case PUNB0944800 for Punjab National Bank – MAWKYRWAT — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 MAWKYRWAT branch, the IFSC PUNB0944800 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 944800 identifies this particular branch.
About the bank
Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Mawkyrwat branch in Mawkyrwat, Meghalaya is part of this network and uses the IFSC code PUNB0944800 for all electronic settlement.
About this branch
The branch is located at CO JASON MEDICAL STORE MAWKYRWAT SOUTH WEST KHASI HILLS ME MAWKY 793114. It serves the Mawkyrwat 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 PUNB0944800 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Mawkyrwat |
| IFSC Code | PUNB0944800 |
| MICR Code | Refer to cheque leaf |
| Branch Address | CO JASON MEDICAL STORE MAWKYRWAT SOUTH WEST KHASI HILLS ME MAWKY 793114 |
| City | Mawkyrwat |
| District | Mawkyrwat |
| State | Meghalaya |
| STD Code | 11 |
| Phone | 23718172 |
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 MAWKYRWAT of Punjab National Bank — its own 11-character IFSC. The code PUNB0944800 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 PUNB0944800 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Mawkyrwat branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0944800 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 PUNB0944800
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 PUNB0944800 across all three.
How to use IFSC PUNB0944800 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's MAWKYRWAT 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC PUNB0944800.
- Confirm the bank name auto-populates as Punjab National Bank and the branch as MAWKYRWAT.
- 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 MAWKYRWAT
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's MAWKYRWAT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0944800 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 – MAWKYRWAT, use IMPS. With IFSC PUNB0944800 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 Mawkyrwat
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 PUNB0944800:
- 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 MAWKYRWAT is still linked to IFSC PUNB0944800.
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 PUNB0944800
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 – MAWKYRWAT is still mapped to IFSC PUNB0944800. 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 PUNB0944800 and the beneficiary's account number to complete the transfer.
Account types you can open at the Mawkyrwat branch
Once you have an account at Punjab National Bank – MAWKYRWAT, the IFSC PUNB0944800 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.
Banking services available
The Mawkyrwat branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 11-23718172.
- 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 PUNB0944800
Digital banking channels
Most day-to-day work that customers used to do at the Mawkyrwat 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 PUNB0944800 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 Mawkyrwat branch
The branch is located at CO JASON MEDICAL STORE MAWKYRWAT SOUTH WEST KHASI HILLS ME MAWKY 793114, which puts it inside Mawkyrwat, the broader Mawkyrwat district, and the state of Meghalaya. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Mawkyrwat branch” — the verified location pin for IFSC PUNB0944800 should appear at the top of the results.
- Confirm the branch is open by calling 11-23718172 before stepping out, especially around public holidays.
- 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 PUNB0944800 and your account number.
Common mistakes to avoid when using IFSC PUNB0944800
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 – MAWKYRWAT, 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:
PUNB0944800. - 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.
Working hours
Branch counters at Mawkyrwat 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 PUNB0944800 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC PUNB0944800 for Punjab National Bank – MAWKYRWAT, 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
Punjab National BankMawkyrwat Branch
CO JASON MEDICAL STORE MAWKYRWAT SOUTH WEST KHASI HILLS ME MAWKY 793114
Mawkyrwat, Meghalaya
Phone: 11-23718172
IFSC: PUNB0944800
Frequently asked questions
Can I use IFSC PUNB0944800 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0944800 to send funds instantly.
What is the phone number of Punjab National Bank Mawkyrwat branch?
You can reach the branch at 11-23718172 during regular banking hours.
Is IFSC PUNB0944800 valid for NEFT and RTGS?
Yes. IFSC PUNB0944800 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Punjab National Bank Mawkyrwat as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0944800, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Punjab National Bank Mawkyrwat branch located?
Punjab National Bank's Mawkyrwat branch is located at CO JASON MEDICAL STORE MAWKYRWAT SOUTH WEST KHASI HILLS ME MAWKY 793114, Mawkyrwat, Meghalaya.
Is IFSC PUNB0944800 the same for all accounts at Mawkyrwat branch?
Yes. The IFSC PUNB0944800 is shared by every account held at Punjab National Bank's Mawkyrwat branch. Only the account number changes from customer to customer.
Does Punjab National Bank Mawkyrwat branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 11-23718172 to confirm.
Summary
The IFSC code PUNB0944800 belongs to Punjab National Bank's MAWKYRWAT branch, located at CO JASON MEDICAL STORE MAWKYRWAT SOUTH WEST KHASI HILLS ME MAWKY 793114 in MAWKYRWAT, MEGHALAYA. 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.
