This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, NAUGAON UTTARKASHI branch in NAUGAON. The 11-digit IFSC PUNB0595600 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Punjab National Bank at the NAUGAON UTTARKASHI location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 – NAUGAON UTTARKASHI is PUNB0595600. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 595600 map to this branch in NAUGAON, UTTARAKHAND.
About Punjab National Bank
Punjab National Bank operates a wide network of branches across India, including the Naugaon Uttarkashi branch in Naugaon. 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, PUNB0595600.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Naugaon Uttarkashi |
| IFSC Code | PUNB0595600 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL PO NAUGAON DIST-UTTARKASHI UTTATKASHI UTTARANCHAL 249171 |
| City | Naugaon |
| District | Uttar Kashi |
| State | Uttarakhand |
| Phone | 9760890485 |
About this branch
The branch is located at VILL PO NAUGAON DIST-UTTARKASHI UTTATKASHI UTTARANCHAL 249171. It serves the Naugaon 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 PUNB0595600 is used to identify this branch on the RBI payments network.
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Punjab National Bank's NAUGAON UTTARKASHI branch came to be assigned the code PUNB0595600.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC PUNB0595600, money simply cannot be routed to the NAUGAON UTTARKASHI branch electronically.
Products and account variants supported
Every account opened at the Naugaon Uttarkashi branch is mapped to IFSC PUNB0595600 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 PUNB0595600.
Products and services
Customers walking into the Naugaon Uttarkashi 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 PUNB0595600
How to transfer money using IFSC PUNB0595600
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 PUNB0595600 across all three.
How to use IFSC PUNB0595600 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's NAUGAON UTTARKASHI 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 PUNB0595600.
- Confirm the bank name auto-populates as Punjab National Bank and the branch as NAUGAON UTTARKASHI.
- 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 NAUGAON UTTARKASHI
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's NAUGAON UTTARKASHI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0595600 while initiating the transfer and the credit will appear within minutes.
IMPS to Punjab National Bank NAUGAON UTTARKASHI (IFSC PUNB0595600)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0595600 in your mobile or internet banking app, and the money is credited to the NAUGAON UTTARKASHI branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Naugaon Uttarkashi
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 PUNB0595600:
- 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 NAUGAON UTTARKASHI is still linked to IFSC PUNB0595600.
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.
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 NAUGAON UTTARKASHI branch, the IFSC PUNB0595600 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.
Digital banking channels
Most day-to-day work that customers used to do at the Naugaon Uttarkashi 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 PUNB0595600 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 & cheque-truncation details
Cheques drawn on the Naugaon Uttarkashi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0595600 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC PUNB0595600
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 – NAUGAON UTTARKASHI, 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:
PUNB0595600. - 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 Naugaon Uttarkashi branch sits at VILL PO NAUGAON DIST-UTTARKASHI UTTATKASHI UTTARANCHAL 249171. If you are travelling from outside Naugaon, search for the branch on a maps application using the bank name and locality, or call 9760890485 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 PUNB0595600 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC PUNB0595600 for Punjab National Bank – NAUGAON UTTARKASHI, 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 banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Naugaon Uttarkashi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0595600, however, work 24x7.
Branch address & contact
Punjab National BankNaugaon Uttarkashi Branch
VILL PO NAUGAON DIST-UTTARKASHI UTTATKASHI UTTARANCHAL 249171
Naugaon, Uttarakhand
Phone: 9760890485
IFSC: PUNB0595600
Frequently asked questions
How quickly will an NEFT transfer using PUNB0595600 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Naugaon Uttarkashi reflect within 30 minutes.
What is the phone number of Punjab National Bank Naugaon Uttarkashi branch?
You can reach the branch at 9760890485 during regular banking hours.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Naugaon Uttarkashi branch but serve different purposes.
Is IFSC PUNB0595600 valid for NEFT and RTGS?
Yes. IFSC PUNB0595600 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Punjab National Bank Naugaon Uttarkashi branch located?
Punjab National Bank's Naugaon Uttarkashi branch is located at VILL PO NAUGAON DIST-UTTARKASHI UTTATKASHI UTTARANCHAL 249171, Naugaon, Uttarakhand.
How do I add Punjab National Bank Naugaon Uttarkashi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0595600, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC PUNB0595600 the same for all accounts at Naugaon Uttarkashi branch?
Yes. The IFSC PUNB0595600 is shared by every account held at Punjab National Bank's Naugaon Uttarkashi branch. Only the account number changes from customer to customer.
What is the IFSC code of Punjab National Bank Naugaon Uttarkashi branch?
The IFSC code of Punjab National Bank, Naugaon Uttarkashi branch is PUNB0595600. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code PUNB0595600 belongs to Punjab National Bank's NAUGAON UTTARKASHI branch, located at VILL PO NAUGAON DIST-UTTARKASHI UTTATKASHI UTTARANCHAL 249171 in NAUGAON, UTTARAKHAND. 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.
