IFSC Code of Punjab National Bank, Sibsagar ,Assam Branch, Assam

This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, SIBSAGAR ,ASSAM branch in SIBSAGAR ,ASSAM. The 11-digit IFSC PUNB0478400 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 SIBSAGAR ,ASSAM 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.

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 – SIBSAGAR ,ASSAM is PUNB0478400. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 478400 map to this branch in SIBSAGAR ,ASSAM, ASSAM.

About the bank

Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Sibsagar ,Assam branch in Sibsagar ,Assam, Assam is part of this network and uses the IFSC code PUNB0478400 for all electronic settlement.

Branch details at a glance

About the Sibsagar ,Assam branch

The Sibsagar ,Assam branch of Punjab National Bank is situated at NR MARKET HCB ROAD. 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 PUNB0478400 is used.

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 SIBSAGAR ,ASSAM branch came to be assigned the code PUNB0478400.

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 PUNB0478400, money simply cannot be routed to the SIBSAGAR ,ASSAM branch electronically.

Products and account variants supported

Every account opened at the Sibsagar ,Assam branch is mapped to IFSC PUNB0478400 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 PUNB0478400.

Banking services available

The Sibsagar ,Assam 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 PUNB0478400

How to transfer money using IFSC PUNB0478400

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 PUNB0478400 across all three.

NEFT to Punjab National Bank, SIBSAGAR ,ASSAM using IFSC PUNB0478400

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 PUNB0478400, and confirm that the system picks up Punjab National Bank – SIBSAGAR ,ASSAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SIBSAGAR ,ASSAM

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's SIBSAGAR ,ASSAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0478400 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank SIBSAGAR ,ASSAM (IFSC PUNB0478400)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0478400 in your mobile or internet banking app, and the money is credited to the SIBSAGAR ,ASSAM branch account within seconds.

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

All three modes accept the IFSC PUNB0478400 for Punjab National Bank – SIBSAGAR ,ASSAM, 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 Sibsagar ,Assam 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 SIBSAGAR ,ASSAM branch, the IFSC PUNB0478400 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 PUNB0478400

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the SIBSAGAR ,ASSAM 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 PUNB0478400 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 PUNB0478400 and the account number together uniquely identify the Sibsagar ,Assam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Punjab National Bank – SIBSAGAR ,ASSAM:

• The IFSC is exactly PUNB0478400 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Punjab National Bank as the bank name and SIBSAGAR ,ASSAM as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Sibsagar ,Assam branch

The branch is located at NR MARKET HCB ROAD, which puts it inside Sibsagar ,Assam, the broader Sibsagar (assam) district, and the state of Assam. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Sibsagar ,Assam branch” — the verified location pin for IFSC PUNB0478400 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 PUNB0478400 and your account number.

Verifying IFSC PUNB0478400 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 PUNB0478400 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 Sibsagar ,Assam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0478400, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0478400 belongs to Punjab National Bank's SIBSAGAR ,ASSAM branch, located at NR MARKET HCB ROAD in SIBSAGAR ,ASSAM, ASSAM. 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.