IFSC Code of Punjab National Bank, Zao, Shimla , H.P. Branch, Himachal Pradesh

If you are searching for the IFSC code of Punjab National Bank, ZAO, SHIMLA , H.P. branch in SHIMLA, HIMACHAL PRADESH, this page has every detail you need. The verified IFSC code for this branch is PUNB0767900. 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 ZAO, SHIMLA , H.P. branch, and detailed step-by-step guides for using the IFSC PUNB0767900 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Punjab National Bank – ZAO, SHIMLA , H.P. is PUNB0767900. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 767900 map to this branch in SHIMLA, HIMACHAL PRADESH.

About the bank

Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Zao, Shimla , H.P. branch in Shimla, Himachal Pradesh is part of this network and uses the IFSC code PUNB0767900 for all electronic settlement.

Branch details at a glance

About the Zao, Shimla , H.P. branch

The Zao, Shimla , H.P. branch of Punjab National Bank is situated at 3 RD FLOOR , MC PARKING,. 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 PUNB0767900 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 ZAO, SHIMLA , H.P. of Punjab National Bank — its own 11-character IFSC. The code PUNB0767900 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 PUNB0767900 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 Zao, Shimla , H.P. branch is mapped to IFSC PUNB0767900 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 PUNB0767900.

Banking services available

The Zao, Shimla , H.P. 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 PUNB0767900

How to transfer money using IFSC PUNB0767900

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 PUNB0767900 across all three.

NEFT to Punjab National Bank, ZAO, SHIMLA , H.P. using IFSC PUNB0767900

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 PUNB0767900, and confirm that the system picks up Punjab National Bank – ZAO, SHIMLA , H.P.. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ZAO, SHIMLA , H.P.

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's ZAO, SHIMLA , H.P. branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0767900 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank ZAO, SHIMLA , H.P. (IFSC PUNB0767900)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0767900 in your mobile or internet banking app, and the money is credited to the ZAO, SHIMLA , H.P. branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC PUNB0767900 for Punjab National Bank – ZAO, SHIMLA , H.P., 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.

For most retail customers crediting the Zao, Shimla , H.P. 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 ZAO, SHIMLA , H.P. branch, the IFSC PUNB0767900 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 PUNB0767900

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the ZAO, SHIMLA , H.P. 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 PUNB0767900 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 PUNB0767900 and the account number together uniquely identify the Zao, Shimla , H.P. branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC PUNB0767900

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 – ZAO, SHIMLA , H.P., 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: PUNB0767900.
• 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 Zao, Shimla , H.P. branch

The branch is located at 3 RD FLOOR , MC PARKING,, which puts it inside Shimla, the broader Cart Road, Shimla ( H.P. ) district, and the state of Himachal Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Zao, Shimla , H.P. branch” — the verified location pin for IFSC PUNB0767900 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 PUNB0767900 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0767900 for Punjab National Bank – ZAO, SHIMLA , H.P., 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 Zao, Shimla , H.P. 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 PUNB0767900 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0767900 belongs to Punjab National Bank's ZAO, SHIMLA , H.P. branch, located at 3 RD FLOOR , MC PARKING, in SHIMLA, HIMACHAL PRADESH. 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.