This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, SHIMLA branch in SHIMLA. The 11-digit IFSC PUNB0020910 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 SHIMLA 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, PUNB0020910 is the IFSC of Punjab National Bank's SHIMLA branch. The format is fixed: PUNB = bank code, 0 = reserved, 020910 = branch identifier.
About Punjab National Bank
Punjab National Bank operates a wide network of branches across India, including the Shimla branch in Shimla. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, PUNB0020910.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Shimla |
| IFSC Code | PUNB0020910 |
| MICR Code | Refer to cheque leaf |
| Branch Address | LAHORI BLDG,LOWER BAZAR 171001 |
| City | Shimla |
| District | Shimla |
| State | Himachal Pradesh |
| STD Code | 177 |
| Phone | 2652440 |
About this branch
The branch is located at LAHORI BLDG,LOWER BAZAR 171001. 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 PUNB0020910 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 SHIMLA of Punjab National Bank — its own 11-character IFSC. The code PUNB0020910 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 PUNB0020910 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 Shimla branch is mapped to IFSC PUNB0020910 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 PUNB0020910.
Banking services available
The Shimla branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 177-2652440.
- 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 PUNB0020910
How to transfer money using IFSC PUNB0020910
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 PUNB0020910 across all three.
NEFT to Punjab National Bank, SHIMLA using IFSC PUNB0020910
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 PUNB0020910, and confirm that the system picks up Punjab National Bank – SHIMLA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC PUNB0020910
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 – SHIMLA, ensure your bank's portal accepts IFSC PUNB0020910 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Punjab National Bank SHIMLA (IFSC PUNB0020910)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0020910 in your mobile or internet banking app, and the money is credited to the SHIMLA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0020910 for Punjab National Bank – SHIMLA, 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 – PUNB0020910 | Yes – PUNB0020910 | Yes – PUNB0020910 |
For most retail customers crediting the Shimla 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 SHIMLA branch, the IFSC PUNB0020910 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.
Digital banking channels
Most day-to-day work that customers used to do at the Shimla branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC PUNB0020910 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
MICR & cheque-truncation details
Cheques drawn on the Shimla branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0020910 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 PUNB0020910
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 – 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:
PUNB0020910. - 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 Shimla branch
The branch is located at LAHORI BLDG,LOWER BAZAR 171001, which puts it inside Shimla, the broader Shimla district, and the state of Himachal Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Shimla branch” — the verified location pin for IFSC PUNB0020910 should appear at the top of the results.
- Confirm the branch is open by calling 177-2652440 before stepping out, especially around public holidays.
- 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 PUNB0020910 and your account number.
Verifying IFSC PUNB0020910 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 PUNB0020910 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 177-2652440.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at 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 PUNB0020910 continue to work without interruption.
Branch address & contact
Punjab National BankShimla Branch
LAHORI BLDG,LOWER BAZAR 171001
Shimla, Himachal Pradesh
Phone: 177-2652440
IFSC: PUNB0020910
Frequently asked questions
Is IFSC PUNB0020910 the same for all accounts at Shimla branch?
Yes. The IFSC PUNB0020910 is shared by every account held at Punjab National Bank's Shimla branch. Only the account number changes from customer to customer.
Where is Punjab National Bank Shimla branch located?
Punjab National Bank's Shimla branch is located at LAHORI BLDG,LOWER BAZAR 171001, Shimla, Himachal Pradesh.
Does Punjab National Bank Shimla branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 177-2652440 to confirm.
Is IFSC PUNB0020910 valid for NEFT and RTGS?
Yes. IFSC PUNB0020910 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Punjab National Bank Shimla branch?
The IFSC code of Punjab National Bank, Shimla branch is PUNB0020910. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC PUNB0020910 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0020910 to send funds instantly.
How do I add Punjab National Bank Shimla as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0020910, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: PUNB0020910 is the IFSC code of Punjab National Bank, 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.
