IFSC Code of Punjab National Bank, Rajpura- Abc Chandigarh Road Branch, Punjab

Use this page as a one-stop reference for everything related to Punjab National Bank's RAJPURA- ABC CHANDIGARH ROAD branch in RAJPURA, PUNJAB. The branch's IFSC code PUNB0085310 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, PUNB0085310 is the IFSC of Punjab National Bank's RAJPURA- ABC CHANDIGARH ROAD branch. The format is fixed: PUNB = bank code, 0 = reserved, 085310 = branch identifier.

Branch details at a glance

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Rajpura- Abc Chandigarh Road branch in Rajpura. 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, PUNB0085310.

About this branch

The branch is located at CHANDIGARH-PATIALA ROAD, GAGAN CHOWK 140401. It serves the Rajpura 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 PUNB0085310 is used to identify this branch on the RBI payments network.

Why every Punjab National Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including RAJPURA- ABC CHANDIGARH ROAD of Punjab National Bank — its own 11-character IFSC. The code PUNB0085310 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC PUNB0085310 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC PUNB0085310

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 PUNB0085310 across all three.

NEFT to Punjab National Bank, RAJPURA- ABC CHANDIGARH ROAD using IFSC PUNB0085310

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 PUNB0085310, and confirm that the system picks up Punjab National Bank – RAJPURA- ABC CHANDIGARH ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to RAJPURA- ABC CHANDIGARH ROAD

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's RAJPURA- ABC CHANDIGARH ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0085310 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank RAJPURA- ABC CHANDIGARH ROAD (IFSC PUNB0085310)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0085310 in your mobile or internet banking app, and the money is credited to the RAJPURA- ABC CHANDIGARH ROAD branch account within seconds.

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

All three modes accept the IFSC PUNB0085310 for Punjab National Bank – RAJPURA- ABC CHANDIGARH ROAD, 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 Rajpura- Abc Chandigarh Road 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.

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 RAJPURA- ABC CHANDIGARH ROAD branch, the IFSC PUNB0085310 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.

Products and account variants supported

Every account opened at the Rajpura- Abc Chandigarh Road branch is mapped to IFSC PUNB0085310 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 PUNB0085310.

Banking services available

The Rajpura- Abc Chandigarh Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1762-232235.

• 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 PUNB0085310

MICR & cheque-truncation details

Cheques drawn on the Rajpura- Abc Chandigarh Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0085310 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Rajpura- Abc Chandigarh Road 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 PUNB0085310 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.

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 – RAJPURA- ABC CHANDIGARH ROAD:

• The IFSC is exactly PUNB0085310 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 RAJPURA- ABC CHANDIGARH ROAD 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.

Reaching the branch

The Rajpura- Abc Chandigarh Road branch sits at CHANDIGARH-PATIALA ROAD, GAGAN CHOWK 140401. If you are travelling from outside Rajpura, search for the branch on a maps application using the bank name and locality, or call 1762-232235 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 PUNB0085310 and your account number.

Verifying IFSC PUNB0085310 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm PUNB0085310 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1762-232235.
• Visiting the bank's official branch locator page.

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 Rajpura- Abc Chandigarh Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0085310, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0085310 belongs to Punjab National Bank's RAJPURA- ABC CHANDIGARH ROAD branch, located at CHANDIGARH-PATIALA ROAD, GAGAN CHOWK 140401 in RAJPURA, PUNJAB. 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.