IFSC Code of Punjab National Bank, Naurakh Pipal Koti Branch, Uttarakhand

Use this page as a one-stop reference for everything related to Punjab National Bank's NAURAKH PIPAL KOTI branch in PIPALKOTI, UTTARAKHAND. The branch's IFSC code PUNB0990100 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 NAURAKH PIPAL KOTI branch, the IFSC PUNB0990100 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 990100 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 Naurakh Pipal Koti branch in Pipalkoti, Uttarakhand is part of this network and uses the IFSC code PUNB0990100 for all electronic settlement.

About this branch

The branch is located at MAIN MARKET ADJOINING INDERLOK HATEL DISTT CHAMOLI UTTARANCHAL 246472. It serves the Pipalkoti 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 PUNB0990100 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 NAURAKH PIPAL KOTI branch came to be assigned the code PUNB0990100.

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 PUNB0990100, money simply cannot be routed to the NAURAKH PIPAL KOTI branch electronically.

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 PUNB0990100 and the account number together uniquely identify the Naurakh Pipal Koti branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC PUNB0990100

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 PUNB0990100 across all three.

NEFT to Punjab National Bank, NAURAKH PIPAL KOTI using IFSC PUNB0990100

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 PUNB0990100, and confirm that the system picks up Punjab National Bank – NAURAKH PIPAL KOTI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PUNB0990100

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 – NAURAKH PIPAL KOTI, ensure your bank's portal accepts IFSC PUNB0990100 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Punjab National Bank – NAURAKH PIPAL KOTI, use IMPS. With IFSC PUNB0990100 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 PUNB0990100 for Punjab National Bank – NAURAKH PIPAL KOTI, 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 Naurakh Pipal Koti 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 PUNB0990100

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 – NAURAKH PIPAL KOTI is still mapped to IFSC PUNB0990100. 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 PUNB0990100 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Naurakh Pipal Koti branch is mapped to IFSC PUNB0990100 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 PUNB0990100.

Banking services available

The Naurakh Pipal Koti branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 911-9452847796.

• 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 PUNB0990100

Digital banking channels

Most day-to-day work that customers used to do at the Naurakh Pipal Koti 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 PUNB0990100 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.

How to reach the Naurakh Pipal Koti branch

The branch is located at MAIN MARKET ADJOINING INDERLOK HATEL DISTT CHAMOLI UTTARANCHAL 246472, which puts it inside Pipalkoti, the broader Chamoli district, and the state of Uttarakhand. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Naurakh Pipal Koti branch” — the verified location pin for IFSC PUNB0990100 should appear at the top of the results.
2. Confirm the branch is open by calling 911-9452847796 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 PUNB0990100 and your account number.

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 – NAURAKH PIPAL KOTI:

• The IFSC is exactly PUNB0990100 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 NAURAKH PIPAL KOTI 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.

Working hours

Branch counters at Naurakh Pipal Koti 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 PUNB0990100 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0990100 for Punjab National Bank – NAURAKH PIPAL KOTI, 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 address & contact

Frequently asked questions

Summary

The IFSC code PUNB0990100 belongs to Punjab National Bank's NAURAKH PIPAL KOTI branch, located at MAIN MARKET ADJOINING INDERLOK HATEL DISTT CHAMOLI UTTARANCHAL 246472 in PIPALKOTI, 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.