IFSC Code of Punjab National Bank, Pulbahal, Distt. Simla ,Hp Branch, Himachal Pradesh

If you are searching for the IFSC code of Punjab National Bank, PULBAHAL, DISTT. SIMLA ,HP branch in SHIMLA, HIMACHAL PRADESH, this page has every detail you need. The verified IFSC code for this branch is PUNB0135900. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the PULBAHAL, DISTT. SIMLA ,HP branch, and detailed step-by-step guides for using the IFSC PUNB0135900 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 PULBAHAL, DISTT. SIMLA ,HP branch, the IFSC PUNB0135900 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 135900 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 Pulbahal, Distt. Simla ,Hp branch — IFSC PUNB0135900 — extends the bank's services to customers in and around Shimla, Himachal Pradesh.

Branch details at a glance

Pulbahal, Distt. Simla ,Hp branch overview

Located at PULBAHAL, DISTT. SIMLA (HP), the Pulbahal, Distt. Simla ,Hp branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0135900 is required for all interbank electronic transfers routed through this branch.

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 PULBAHAL, DISTT. SIMLA ,HP branch came to be assigned the code PUNB0135900.

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 PUNB0135900, money simply cannot be routed to the PULBAHAL, DISTT. SIMLA ,HP branch electronically.

Products and account variants supported

Every account opened at the Pulbahal, Distt. Simla ,Hp branch is mapped to IFSC PUNB0135900 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 PUNB0135900.

Banking services available

The Pulbahal, Distt. Simla ,Hp branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• 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 PUNB0135900

How to transfer money using IFSC PUNB0135900

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 PUNB0135900 across all three.

How to use IFSC PUNB0135900 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's PULBAHAL, DISTT. SIMLA ,HP 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 PUNB0135900.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as PULBAHAL, DISTT. SIMLA ,HP.
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 PULBAHAL, DISTT. SIMLA ,HP

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's PULBAHAL, DISTT. SIMLA ,HP branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0135900 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 – PULBAHAL, DISTT. SIMLA ,HP, use IMPS. With IFSC PUNB0135900 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 Pulbahal, Distt. Simla ,Hp

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 PUNB0135900:

• 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 PULBAHAL, DISTT. SIMLA ,HP is still linked to IFSC PUNB0135900.

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.

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 PULBAHAL, DISTT. SIMLA ,HP branch, the IFSC PUNB0135900 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 PUNB0135900

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the PULBAHAL, DISTT. SIMLA ,HP 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 PUNB0135900 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 Pulbahal, Distt. Simla ,Hp branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0135900 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC PUNB0135900

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 – PULBAHAL, DISTT. SIMLA ,HP, 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: PUNB0135900.
• 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.

How to reach the Pulbahal, Distt. Simla ,Hp branch

The branch is located at PULBAHAL, DISTT. SIMLA (HP), which puts it inside Shimla, the broader Shimla district, and the state of Himachal Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Pulbahal, Distt. Simla ,Hp branch” — the verified location pin for IFSC PUNB0135900 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 PUNB0135900 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0135900 for Punjab National Bank – PULBAHAL, DISTT. SIMLA ,HP, 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 Pulbahal, Distt. Simla ,Hp 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 PUNB0135900 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0135900 is the IFSC code of Punjab National Bank, PULBAHAL, DISTT. SIMLA ,HP 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.