IFSC Code of Punjab National Bank, Poanta Sahib Branch, Himachal Pradesh

Use this page as a one-stop reference for everything related to Punjab National Bank's POANTA SAHIB branch in POANTA SAHIB HP, HIMACHAL PRADESH. The branch's IFSC code PUNB0113910 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 – POANTA SAHIB is PUNB0113910. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 113910 map to this branch in POANTA SAHIB HP, HIMACHAL PRADESH.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Poanta Sahib branch — IFSC PUNB0113910 — extends the bank's services to customers in and around Poanta Sahib Hp, Himachal Pradesh.

About this branch

The branch is located at HNO971WARD6 NAHAN ROAD 173025. It serves the Poanta Sahib Hp 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 PUNB0113910 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 POANTA SAHIB branch came to be assigned the code PUNB0113910.

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 PUNB0113910, money simply cannot be routed to the POANTA SAHIB branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Poanta Sahib branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0113910 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC PUNB0113910

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 PUNB0113910 across all three.

How to use IFSC PUNB0113910 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's POANTA SAHIB 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC PUNB0113910.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as POANTA SAHIB.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC PUNB0113910

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 – POANTA SAHIB, ensure your bank's portal accepts IFSC PUNB0113910 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Punjab National Bank – POANTA SAHIB, use IMPS. With IFSC PUNB0113910 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 PUNB0113910 for Punjab National Bank – POANTA SAHIB, 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 Poanta Sahib 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 PUNB0113910

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 – POANTA SAHIB is still mapped to IFSC PUNB0113910. 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 PUNB0113910 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Poanta Sahib branch is mapped to IFSC PUNB0113910 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 PUNB0113910.

Products and services

Customers walking into the Poanta Sahib 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 PUNB0113910

Online banking and IFSC PUNB0113910

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the POANTA SAHIB 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 PUNB0113910 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.

How to reach the Poanta Sahib branch

The branch is located at HNO971WARD6 NAHAN ROAD 173025, which puts it inside Poanta Sahib Hp, the broader Sirmaur district, and the state of Himachal Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Poanta Sahib branch” — the verified location pin for IFSC PUNB0113910 should appear at the top of the results.
2. Confirm the branch is open by calling 1704-225544 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 PUNB0113910 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 – POANTA SAHIB:

• The IFSC is exactly PUNB0113910 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 POANTA SAHIB 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 Poanta Sahib 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 PUNB0113910 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0113910 for Punjab National Bank – POANTA SAHIB, 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

Final notes

To recap: PUNB0113910 is the IFSC code of Punjab National Bank, POANTA SAHIB branch, in POANTA SAHIB HP, HIMACHAL 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.