IFSC Code of Punjab National Bank, Rikhnikhal Paurigarwal, Distt. Branch, Uttarakhand

Use this page as a one-stop reference for everything related to Punjab National Bank's RIKHNIKHAL PAURIGARWAL, DISTT. branch in RIKHNIKHAL - UA, UTTARAKHAND. The branch's IFSC code PUNB0094100 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 RIKHNIKHAL PAURIGARWAL, DISTT. branch, the IFSC PUNB0094100 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 094100 identifies this particular branch.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Rikhnikhal Paurigarwal, Distt. branch — IFSC PUNB0094100 — extends the bank's services to customers in and around Rikhnikhal - Ua, Uttarakhand.

Branch details at a glance

About the Rikhnikhal Paurigarwal, Distt. branch

The Rikhnikhal Paurigarwal, Distt. branch of Punjab National Bank is situated at PO RIKHNIKHAL. 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 PUNB0094100 is used.

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 RIKHNIKHAL PAURIGARWAL, DISTT. of Punjab National Bank — its own 11-character IFSC. The code PUNB0094100 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 PUNB0094100 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Rikhnikhal Paurigarwal, Distt. branch is mapped to IFSC PUNB0094100 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 PUNB0094100.

Products and services

Customers walking into the Rikhnikhal Paurigarwal, Distt. 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 PUNB0094100

How to transfer money using IFSC PUNB0094100

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 PUNB0094100 across all three.

How to use IFSC PUNB0094100 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's RIKHNIKHAL PAURIGARWAL, DISTT. 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 PUNB0094100.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as RIKHNIKHAL PAURIGARWAL, DISTT..
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to RIKHNIKHAL PAURIGARWAL, DISTT.

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's RIKHNIKHAL PAURIGARWAL, DISTT. branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0094100 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Punjab National Bank – RIKHNIKHAL PAURIGARWAL, DISTT., use IMPS. With IFSC PUNB0094100 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Rikhnikhal Paurigarwal, Distt.

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 PUNB0094100:

• 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 RIKHNIKHAL PAURIGARWAL, DISTT. is still linked to IFSC PUNB0094100.

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 PUNB0094100

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 – RIKHNIKHAL PAURIGARWAL, DISTT. is still mapped to IFSC PUNB0094100. 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 PUNB0094100 and the beneficiary's account number to complete the transfer.

Online banking and IFSC PUNB0094100

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the RIKHNIKHAL PAURIGARWAL, DISTT. 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 PUNB0094100 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 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 PUNB0094100 and the account number together uniquely identify the Rikhnikhal Paurigarwal, Distt. branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – RIKHNIKHAL PAURIGARWAL, DISTT.:

• The IFSC is exactly PUNB0094100 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 RIKHNIKHAL PAURIGARWAL, DISTT. 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 Rikhnikhal Paurigarwal, Distt. branch

The branch is located at PO RIKHNIKHAL, which puts it inside Rikhnikhal - Ua, the broader Distt Pauri Garhwal district, and the state of Uttarakhand. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Rikhnikhal Paurigarwal, Distt. branch” — the verified location pin for IFSC PUNB0094100 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 PUNB0094100 and your account number.

Verifying IFSC PUNB0094100 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 PUNB0094100 by:

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

Working hours

Branch counters at Rikhnikhal Paurigarwal, Distt. 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 PUNB0094100 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0094100 belongs to Punjab National Bank's RIKHNIKHAL PAURIGARWAL, DISTT. branch, located at PO RIKHNIKHAL in RIKHNIKHAL - UA, 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.