This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, SAMBA branch in SAMBA. The 11-digit IFSC PUNB0459600 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Punjab National Bank at the SAMBA location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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, PUNB0459600 is the IFSC of Punjab National Bank's SAMBA branch. The format is fixed: PUNB = bank code, 0 = reserved, 459600 = branch identifier.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Samba |
| IFSC Code | PUNB0459600 |
| MICR Code | Refer to cheque leaf |
| Branch Address | WARD NO 2 NATIONAL HIGHWAY |
| City | Samba |
| District | Samba J K |
| State | Jammu and Kashmir |
About the bank
Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Samba branch in Samba, Jammu and Kashmir is part of this network and uses the IFSC code PUNB0459600 for all electronic settlement.
About this branch
The branch is located at WARD NO 2 NATIONAL HIGHWAY. It serves the Samba 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 PUNB0459600 is used to identify this branch on the RBI payments network.
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 SAMBA branch came to be assigned the code PUNB0459600.
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 PUNB0459600, money simply cannot be routed to the SAMBA branch electronically.
How to transfer money using IFSC PUNB0459600
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 PUNB0459600 across all three.
NEFT to Punjab National Bank, SAMBA using IFSC PUNB0459600
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 PUNB0459600, and confirm that the system picks up Punjab National Bank – SAMBA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to SAMBA
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's SAMBA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0459600 while initiating the transfer and the credit will appear within minutes.
IMPS to Punjab National Bank SAMBA (IFSC PUNB0459600)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0459600 in your mobile or internet banking app, and the money is credited to the SAMBA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0459600 for Punjab National Bank – SAMBA, 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 – PUNB0459600 | Yes – PUNB0459600 | Yes – PUNB0459600 |
For most retail customers crediting the Samba 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 SAMBA branch, the IFSC PUNB0459600 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 Samba branch is mapped to IFSC PUNB0459600 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 PUNB0459600.
Products and services
Customers walking into the Samba 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 PUNB0459600
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 PUNB0459600 and the account number together uniquely identify the Samba branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC PUNB0459600
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the SAMBA 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 PUNB0459600 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.
Common mistakes to avoid when using IFSC PUNB0459600
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Punjab National Bank – SAMBA, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
PUNB0459600. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Samba branch sits at WARD NO 2 NATIONAL HIGHWAY. If you are travelling from outside Samba, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 PUNB0459600 and your account number.
Verifying IFSC PUNB0459600 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 PUNB0459600 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.
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 Samba branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0459600, however, work 24x7.
Branch address & contact
Punjab National BankSamba Branch
WARD NO 2 NATIONAL HIGHWAY
Samba, Jammu and Kashmir
Phone: the branch contact number
IFSC: PUNB0459600
Frequently asked questions
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 Samba branch but serve different purposes.
Can I use IFSC PUNB0459600 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0459600 to send funds instantly.
Does Punjab National Bank Samba branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
How quickly will an NEFT transfer using PUNB0459600 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Samba reflect within 30 minutes.
What is the IFSC code of Punjab National Bank Samba branch?
The IFSC code of Punjab National Bank, Samba branch is PUNB0459600. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Punjab National Bank Samba as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0459600, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC PUNB0459600 valid for NEFT and RTGS?
Yes. IFSC PUNB0459600 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: PUNB0459600 is the IFSC code of Punjab National Bank, SAMBA branch, in SAMBA, JAMMU AND KASHMIR. 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.
