Use this page as a one-stop reference for everything related to Punjab National Bank's RANNI branch in RANNI, KERALA. The branch's IFSC code PUNB0974500 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, PUNB0974500 is the IFSC of Punjab National Bank's RANNI branch. The format is fixed: PUNB = bank code, 0 = reserved, 974500 = branch identifier.
Bank profile
Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ranni branch — IFSC PUNB0974500 — extends the bank's services to customers in and around Ranni, Kerala.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Ranni |
| IFSC Code | PUNB0974500 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BUILDING NO 452/A OPP GOLDEN HYPERMARKET RANNI KE |
| City | Ranni |
| District | Pathanamthitta |
| State | Kerala |
| STD Code | 11 |
| Phone | 23718172 |
About the Ranni branch
The Ranni branch of Punjab National Bank is situated at BUILDING NO 452/A OPP GOLDEN HYPERMARKET RANNI KE. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code PUNB0974500 is used.
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 RANNI branch came to be assigned the code PUNB0974500.
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 PUNB0974500, money simply cannot be routed to the RANNI branch electronically.
Products and account variants supported
Every account opened at the Ranni branch is mapped to IFSC PUNB0974500 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 PUNB0974500.
Banking services available
The Ranni branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 11-23718172.
- 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 PUNB0974500
How to transfer money using IFSC PUNB0974500
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 PUNB0974500 across all three.
NEFT to Punjab National Bank, RANNI using IFSC PUNB0974500
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 PUNB0974500, and confirm that the system picks up Punjab National Bank – RANNI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC PUNB0974500
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 – RANNI, ensure your bank's portal accepts IFSC PUNB0974500 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Punjab National Bank RANNI (IFSC PUNB0974500)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0974500 in your mobile or internet banking app, and the money is credited to the RANNI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0974500 for Punjab National Bank – RANNI, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – PUNB0974500 | Yes – PUNB0974500 | Yes – PUNB0974500 |
For most retail customers crediting the Ranni 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 RANNI branch, the IFSC PUNB0974500 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.
Online banking and IFSC PUNB0974500
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the RANNI 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 PUNB0974500 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 Ranni branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0974500 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 – RANNI:
- The IFSC is exactly PUNB0974500 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 RANNI 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 Ranni branch sits at BUILDING NO 452/A OPP GOLDEN HYPERMARKET RANNI KE. If you are travelling from outside Ranni, search for the branch on a maps application using the bank name and locality, or call 11-23718172 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 PUNB0974500 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC PUNB0974500 for Punjab National Bank – RANNI, 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 Ranni 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 PUNB0974500 continue to work without interruption.
Branch address & contact
Punjab National BankRanni Branch
BUILDING NO 452/A OPP GOLDEN HYPERMARKET RANNI KE
Ranni, Kerala
Phone: 11-23718172
IFSC: PUNB0974500
Frequently asked questions
How do I add Punjab National Bank Ranni as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0974500, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Punjab National Bank Ranni branch?
The IFSC code of Punjab National Bank, Ranni branch is PUNB0974500. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Ranni branch but serve different purposes.
How quickly will an NEFT transfer using PUNB0974500 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Ranni reflect within 30 minutes.
Can I use IFSC PUNB0974500 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0974500 to send funds instantly.
Does Punjab National Bank Ranni branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 11-23718172 to confirm.
What is the phone number of Punjab National Bank Ranni branch?
You can reach the branch at 11-23718172 during regular banking hours.
Summary
The IFSC code PUNB0974500 belongs to Punjab National Bank's RANNI branch, located at BUILDING NO 452/A OPP GOLDEN HYPERMARKET RANNI KE in RANNI, KERALA. 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.
