Below are the complete branch details for Punjab National Bank, CLPC SHIMLA branch, located in SHIMLA, HIMACHAL PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0640200. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case PUNB0640200 for Punjab National Bank – CLPC SHIMLA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, PUNB0640200 is the IFSC of Punjab National Bank's CLPC SHIMLA branch. The format is fixed: PUNB = bank code, 0 = reserved, 640200 = branch identifier.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Clpc Shimla |
| IFSC Code | PUNB0640200 |
| MICR Code | Refer to cheque leaf |
| Branch Address | RAPOC DOGRA LODGE NEAR 103 TUNNEL |
| City | Shimla |
| District | Shimla |
| State | Himachal Pradesh |
| STD Code | 11 |
| Phone | 23718172 |
About the bank
Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Clpc Shimla branch in Shimla, Himachal Pradesh is part of this network and uses the IFSC code PUNB0640200 for all electronic settlement.
About this branch
The branch is located at RAPOC DOGRA LODGE NEAR 103 TUNNEL. It serves the Shimla 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 PUNB0640200 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 CLPC SHIMLA of Punjab National Bank — its own 11-character IFSC. The code PUNB0640200 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 PUNB0640200 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 PUNB0640200
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 PUNB0640200 across all three.
How to use IFSC PUNB0640200 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's CLPC SHIMLA 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC PUNB0640200.
- Confirm the bank name auto-populates as Punjab National Bank and the branch as CLPC SHIMLA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC PUNB0640200
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 – CLPC SHIMLA, ensure your bank's portal accepts IFSC PUNB0640200 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Punjab National Bank – CLPC SHIMLA, use IMPS. With IFSC PUNB0640200 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 Clpc Shimla
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 PUNB0640200:
- 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 CLPC SHIMLA is still linked to IFSC PUNB0640200.
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 PUNB0640200
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 – CLPC SHIMLA is still mapped to IFSC PUNB0640200. 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 PUNB0640200 and the beneficiary's account number to complete the transfer.
Account types you can open at the Clpc Shimla branch
Once you have an account at Punjab National Bank – CLPC SHIMLA, the IFSC PUNB0640200 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Clpc Shimla 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 PUNB0640200
MICR & cheque-truncation details
Cheques drawn on the Clpc Shimla branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0640200 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC PUNB0640200
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the CLPC SHIMLA 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 PUNB0640200 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 PUNB0640200
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 – CLPC SHIMLA, 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:
PUNB0640200. - 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 Clpc Shimla branch sits at RAPOC DOGRA LODGE NEAR 103 TUNNEL. If you are travelling from outside Shimla, 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 PUNB0640200 and your account number.
Verifying IFSC PUNB0640200 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 PUNB0640200 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 11-23718172.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Clpc Shimla 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 PUNB0640200 continue to work without interruption.
Branch address & contact
Punjab National BankClpc Shimla Branch
RAPOC DOGRA LODGE NEAR 103 TUNNEL
Shimla, Himachal Pradesh
Phone: 11-23718172
IFSC: PUNB0640200
Frequently asked questions
How quickly will an NEFT transfer using PUNB0640200 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Clpc Shimla reflect within 30 minutes.
What is the phone number of Punjab National Bank Clpc Shimla branch?
You can reach the branch at 11-23718172 during regular banking hours.
Can I use IFSC PUNB0640200 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0640200 to send funds instantly.
How do I add Punjab National Bank Clpc Shimla as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0640200, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Punjab National Bank Clpc Shimla branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 11-23718172 to confirm.
Is IFSC PUNB0640200 the same for all accounts at Clpc Shimla branch?
Yes. The IFSC PUNB0640200 is shared by every account held at Punjab National Bank's Clpc Shimla branch. Only the account number changes from customer to customer.
Where is Punjab National Bank Clpc Shimla branch located?
Punjab National Bank's Clpc Shimla branch is located at RAPOC DOGRA LODGE NEAR 103 TUNNEL, Shimla, Himachal Pradesh.
What is the IFSC code of Punjab National Bank Clpc Shimla branch?
The IFSC code of Punjab National Bank, Clpc Shimla branch is PUNB0640200. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: PUNB0640200 is the IFSC code of Punjab National Bank, CLPC SHIMLA branch, in SHIMLA, 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.
