IFSC Code of Punjab National Bank, Mukkhu,Distt. Rudraprayag Branch, Uttarakhand

Use this page as a one-stop reference for everything related to Punjab National Bank's MUKKHU,DISTT. RUDRAPRAYAG branch in MUKKHU, DISTT RUDRAPRAYAG, UTTARAKHAND. The branch's IFSC code PUNB0277900 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, PUNB0277900 is the IFSC of Punjab National Bank's MUKKHU,DISTT. RUDRAPRAYAG branch. The format is fixed: PUNB = bank code, 0 = reserved, 277900 = branch identifier.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Mukkhu,Distt. Rudraprayag branch — IFSC PUNB0277900 — extends the bank's services to customers in and around Mukkhu, Distt Rudraprayag, Uttarakhand.

Branch details at a glance

About the Mukkhu,Distt. Rudraprayag branch

The Mukkhu,Distt. Rudraprayag branch of Punjab National Bank is situated at MUKKHU DISTT RUDRAPRAYAG. 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 PUNB0277900 is used.

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 MUKKHU,DISTT. RUDRAPRAYAG of Punjab National Bank — its own 11-character IFSC. The code PUNB0277900 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 PUNB0277900 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 Mukkhu,Distt. Rudraprayag branch is mapped to IFSC PUNB0277900 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 PUNB0277900.

Banking services available

The Mukkhu,Distt. Rudraprayag 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 PUNB0277900

How to transfer money using IFSC PUNB0277900

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 PUNB0277900 across all three.

NEFT to Punjab National Bank, MUKKHU,DISTT. RUDRAPRAYAG using IFSC PUNB0277900

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 PUNB0277900, and confirm that the system picks up Punjab National Bank – MUKKHU,DISTT. RUDRAPRAYAG. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MUKKHU,DISTT. RUDRAPRAYAG

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's MUKKHU,DISTT. RUDRAPRAYAG branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0277900 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank MUKKHU,DISTT. RUDRAPRAYAG (IFSC PUNB0277900)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0277900 in your mobile or internet banking app, and the money is credited to the MUKKHU,DISTT. RUDRAPRAYAG branch account within seconds.

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

All three modes accept the IFSC PUNB0277900 for Punjab National Bank – MUKKHU,DISTT. RUDRAPRAYAG, 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 Mukkhu,Distt. Rudraprayag 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 MUKKHU,DISTT. RUDRAPRAYAG branch, the IFSC PUNB0277900 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.

Online banking and IFSC PUNB0277900

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the MUKKHU,DISTT. RUDRAPRAYAG 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 PUNB0277900 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.

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 PUNB0277900 and the account number together uniquely identify the Mukkhu,Distt. Rudraprayag branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – MUKKHU,DISTT. RUDRAPRAYAG:

• The IFSC is exactly PUNB0277900 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 MUKKHU,DISTT. RUDRAPRAYAG 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.

Reaching the branch

The Mukkhu,Distt. Rudraprayag branch sits at MUKKHU DISTT RUDRAPRAYAG. If you are travelling from outside Mukkhu, Distt Rudraprayag, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 PUNB0277900 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0277900 for Punjab National Bank – MUKKHU,DISTT. RUDRAPRAYAG, 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.

Working hours

Branch counters at Mukkhu,Distt. Rudraprayag 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 PUNB0277900 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0277900 is the IFSC code of Punjab National Bank, MUKKHU,DISTT. RUDRAPRAYAG branch, in MUKKHU, DISTT RUDRAPRAYAG, UTTARAKHAND. 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.