IFSC Code of Punjab National Bank, Budhana,Distt. Muzaffarnagar Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Punjab National Bank's BUDHANA,DISTT. MUZAFFARNAGAR branch in MUZAFFAR NAGAR, UTTAR PRADESH. The branch's IFSC code PUNB0186610 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.

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 – BUDHANA,DISTT. MUZAFFARNAGAR is PUNB0186610. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 186610 map to this branch in MUZAFFAR NAGAR, UTTAR PRADESH.

Branch details at a glance

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Budhana,Distt. Muzaffarnagar branch in Muzaffar Nagar. 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, PUNB0186610.

About this branch

The branch is located at VPO-BUDHANA, MOHALLA MANDI, BUDHANA 251309. It serves the Muzaffar Nagar 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 PUNB0186610 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 BUDHANA,DISTT. MUZAFFARNAGAR of Punjab National Bank — its own 11-character IFSC. The code PUNB0186610 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 PUNB0186610 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 PUNB0186610

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 PUNB0186610 across all three.

NEFT to Punjab National Bank, BUDHANA,DISTT. MUZAFFARNAGAR using IFSC PUNB0186610

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 PUNB0186610, and confirm that the system picks up Punjab National Bank – BUDHANA,DISTT. MUZAFFARNAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PUNB0186610

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 – BUDHANA,DISTT. MUZAFFARNAGAR, ensure your bank's portal accepts IFSC PUNB0186610 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank BUDHANA,DISTT. MUZAFFARNAGAR (IFSC PUNB0186610)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0186610 in your mobile or internet banking app, and the money is credited to the BUDHANA,DISTT. MUZAFFARNAGAR branch account within seconds.

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

All three modes accept the IFSC PUNB0186610 for Punjab National Bank – BUDHANA,DISTT. MUZAFFARNAGAR, 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 Budhana,Distt. Muzaffarnagar 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 PUNB0186610

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 – BUDHANA,DISTT. MUZAFFARNAGAR is still mapped to IFSC PUNB0186610. 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 PUNB0186610 and the beneficiary's account number to complete the transfer.

Account types you can open at the Budhana,Distt. Muzaffarnagar branch

Once you have an account at Punjab National Bank – BUDHANA,DISTT. MUZAFFARNAGAR, the IFSC PUNB0186610 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 Budhana,Distt. Muzaffarnagar 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 PUNB0186610

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 PUNB0186610 and the account number together uniquely identify the Budhana,Distt. Muzaffarnagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC PUNB0186610

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the BUDHANA,DISTT. MUZAFFARNAGAR 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 PUNB0186610 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 – BUDHANA,DISTT. MUZAFFARNAGAR:

• The IFSC is exactly PUNB0186610 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 BUDHANA,DISTT. MUZAFFARNAGAR 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 Budhana,Distt. Muzaffarnagar branch

The branch is located at VPO-BUDHANA, MOHALLA MANDI, BUDHANA 251309, which puts it inside Muzaffar Nagar, the broader Muzaffarnagar district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Budhana,Distt. Muzaffarnagar branch” — the verified location pin for IFSC PUNB0186610 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 PUNB0186610 and your account number.

Verifying IFSC PUNB0186610 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 PUNB0186610 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 Budhana,Distt. Muzaffarnagar 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 PUNB0186610 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0186610 is the IFSC code of Punjab National Bank, BUDHANA,DISTT. MUZAFFARNAGAR branch, in MUZAFFAR NAGAR, UTTAR PRADESH. 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.