IFSC Code of Punjab National Bank, Panipat Assandh Road, Distt. P Branch, Haryana

If you are searching for the IFSC code of Punjab National Bank, PANIPAT ASSANDH ROAD, DISTT. P branch in PANIPAT, HARYANA, this page has every detail you need. The verified IFSC code for this branch is PUNB0195100. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the PANIPAT ASSANDH ROAD, DISTT. P branch, and detailed step-by-step guides for using the IFSC PUNB0195100 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 PANIPAT ASSANDH ROAD, DISTT. P branch, the IFSC PUNB0195100 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 195100 identifies this particular branch.

Branch details at a glance

About the bank

Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Panipat Assandh Road, Distt. P branch in Panipat, Haryana is part of this network and uses the IFSC code PUNB0195100 for all electronic settlement.

Panipat Assandh Road, Distt. P branch overview

Located at HARYANA, the Panipat Assandh Road, Distt. 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 PUNB0195100 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 PANIPAT ASSANDH ROAD, DISTT. P branch came to be assigned the code PUNB0195100.

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 PUNB0195100, money simply cannot be routed to the PANIPAT ASSANDH ROAD, DISTT. P branch electronically.

How to transfer money using IFSC PUNB0195100

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 PUNB0195100 across all three.

NEFT to Punjab National Bank, PANIPAT ASSANDH ROAD, DISTT. P using IFSC PUNB0195100

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 PUNB0195100, and confirm that the system picks up Punjab National Bank – PANIPAT ASSANDH ROAD, DISTT. P. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to PANIPAT ASSANDH ROAD, DISTT. P

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's PANIPAT ASSANDH ROAD, DISTT. P branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0195100 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank PANIPAT ASSANDH ROAD, DISTT. P (IFSC PUNB0195100)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0195100 in your mobile or internet banking app, and the money is credited to the PANIPAT ASSANDH ROAD, DISTT. P branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Panipat Assandh Road, Distt. P

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 PUNB0195100:

• 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 PANIPAT ASSANDH ROAD, DISTT. P is still linked to IFSC PUNB0195100.

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 PUNB0195100

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 – PANIPAT ASSANDH ROAD, DISTT. P is still mapped to IFSC PUNB0195100. 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 PUNB0195100 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Panipat Assandh Road, Distt. P branch is mapped to IFSC PUNB0195100 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 PUNB0195100.

Products and services

Customers walking into the Panipat Assandh Road, Distt. P 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 PUNB0195100

MICR & cheque-truncation details

Cheques drawn on the Panipat Assandh Road, Distt. P branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0195100 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC PUNB0195100

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the PANIPAT ASSANDH ROAD, DISTT. 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 PUNB0195100 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 – PANIPAT ASSANDH ROAD, DISTT. P:

• The IFSC is exactly PUNB0195100 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 PANIPAT ASSANDH ROAD, DISTT. 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 Panipat Assandh Road, Distt. P branch

The branch is located at HARYANA, which puts it inside Panipat, the broader Panipat district, and the state of Haryana. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Panipat Assandh Road, Distt. P branch” — the verified location pin for IFSC PUNB0195100 should appear at the top of the results.
2. Confirm the branch is open by calling 0 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 PUNB0195100 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0195100 for Punjab National Bank – PANIPAT ASSANDH ROAD, DISTT. 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 Panipat Assandh Road, Distt. 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 PUNB0195100 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0195100 belongs to Punjab National Bank's PANIPAT ASSANDH ROAD, DISTT. P branch, located at HARYANA in PANIPAT, HARYANA. 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.