IFSC Code of Punjab National Bank, Nigulsari, Dist. Kinnaur ,H.P Branch, Himachal Pradesh

Use this page as a one-stop reference for everything related to Punjab National Bank's NIGULSARI, DIST. KINNAUR ,H.P branch in NIGULSARI ,HP, HIMACHAL PRADESH. The branch's IFSC code PUNB0149300 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.

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 NIGULSARI, DIST. KINNAUR ,H.P branch, the IFSC PUNB0149300 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 149300 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 Nigulsari, Dist. Kinnaur ,H.P branch in Nigulsari ,Hp, Himachal Pradesh is part of this network and uses the IFSC code PUNB0149300 for all electronic settlement.

Branch details at a glance

Nigulsari, Dist. Kinnaur ,H.P branch overview

Located at NIGULSARI,PO NIGULSARI, the Nigulsari, Dist. Kinnaur ,H.P branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0149300 is required for all interbank electronic transfers routed through this branch.

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 NIGULSARI, DIST. KINNAUR ,H.P branch came to be assigned the code PUNB0149300.

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 PUNB0149300, money simply cannot be routed to the NIGULSARI, DIST. KINNAUR ,H.P branch electronically.

Products and account variants supported

Every account opened at the Nigulsari, Dist. Kinnaur ,H.P branch is mapped to IFSC PUNB0149300 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 PUNB0149300.

Banking services available

The Nigulsari, Dist. Kinnaur ,H.P 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 PUNB0149300

How to transfer money using IFSC PUNB0149300

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 PUNB0149300 across all three.

NEFT to Punjab National Bank, NIGULSARI, DIST. KINNAUR ,H.P using IFSC PUNB0149300

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 PUNB0149300, and confirm that the system picks up Punjab National Bank – NIGULSARI, DIST. KINNAUR ,H.P. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PUNB0149300

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 – NIGULSARI, DIST. KINNAUR ,H.P, ensure your bank's portal accepts IFSC PUNB0149300 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Punjab National Bank – NIGULSARI, DIST. KINNAUR ,H.P, use IMPS. With IFSC PUNB0149300 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC PUNB0149300 for Punjab National Bank – NIGULSARI, DIST. KINNAUR ,H.P, 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 Nigulsari, Dist. Kinnaur ,H.P 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 PUNB0149300

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 – NIGULSARI, DIST. KINNAUR ,H.P is still mapped to IFSC PUNB0149300. 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 PUNB0149300 and the beneficiary's account number to complete the transfer.

Online banking and IFSC PUNB0149300

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the NIGULSARI, DIST. KINNAUR ,H.P 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 PUNB0149300 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 & cheque-truncation details

Cheques drawn on the Nigulsari, Dist. Kinnaur ,H.P branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0149300 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – NIGULSARI, DIST. KINNAUR ,H.P:

• The IFSC is exactly PUNB0149300 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 NIGULSARI, DIST. KINNAUR ,H.P 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 Nigulsari, Dist. Kinnaur ,H.P branch

The branch is located at NIGULSARI,PO NIGULSARI, which puts it inside Nigulsari ,Hp, the broader Nigulsari (hp) district, and the state of Himachal Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Nigulsari, Dist. Kinnaur ,H.P branch” — the verified location pin for IFSC PUNB0149300 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 PUNB0149300 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0149300 for Punjab National Bank – NIGULSARI, DIST. KINNAUR ,H.P, 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 Nigulsari, Dist. Kinnaur ,H.P 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 PUNB0149300 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0149300 belongs to Punjab National Bank's NIGULSARI, DIST. KINNAUR ,H.P branch, located at NIGULSARI,PO NIGULSARI in NIGULSARI ,HP, HIMACHAL PRADESH. 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.