Use this page as a one-stop reference for everything related to Punjab National Bank's PNB LOAN POINT - RAM - SOLAN branch in SOLAN, HIMACHAL PRADESH. The branch's IFSC code PUNB0808900 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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 – PNB LOAN POINT - RAM - SOLAN is PUNB0808900. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 808900 map to this branch in SOLAN, HIMACHAL PRADESH.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | PNB Loan Point - Ram - Solan |
| IFSC Code | PUNB0808900 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NONOINT-RM-SONHSON |
| City | Solan |
| District | Solan |
| State | Himachal Pradesh |
| STD Code | 11 |
| Phone | 23765326 |
About the bank
Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its PNB Loan Point - Ram - Solan branch in Solan, Himachal Pradesh is part of this network and uses the IFSC code PUNB0808900 for all electronic settlement.
About the PNB Loan Point - Ram - Solan branch
The PNB Loan Point - Ram - Solan branch of Punjab National Bank is situated at NONOINT-RM-SONHSON. 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 PUNB0808900 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 PNB LOAN POINT - RAM - SOLAN of Punjab National Bank — its own 11-character IFSC. The code PUNB0808900 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 PUNB0808900 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 PUNB0808900
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 PUNB0808900 across all three.
How to use IFSC PUNB0808900 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's PNB LOAN POINT - RAM - SOLAN 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 PUNB0808900.
- Confirm the bank name auto-populates as Punjab National Bank and the branch as PNB LOAN POINT - RAM - SOLAN.
- 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 PNB LOAN POINT - RAM - SOLAN
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's PNB LOAN POINT - RAM - SOLAN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0808900 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 – PNB LOAN POINT - RAM - SOLAN, use IMPS. With IFSC PUNB0808900 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 PNB Loan Point - Ram - Solan
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 PUNB0808900:
- 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 PNB LOAN POINT - RAM - SOLAN is still linked to IFSC PUNB0808900.
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 PNB LOAN POINT - RAM - SOLAN branch, the IFSC PUNB0808900 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.
Account types you can open at the PNB Loan Point - Ram - Solan branch
Once you have an account at Punjab National Bank – PNB LOAN POINT - RAM - SOLAN, the IFSC PUNB0808900 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 PNB Loan Point - Ram - Solan 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 PUNB0808900
MICR & cheque-truncation details
Cheques drawn on the PNB Loan Point - Ram - Solan branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0808900 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the PNB Loan Point - Ram - Solan 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 PUNB0808900 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.
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 – PNB LOAN POINT - RAM - SOLAN:
- The IFSC is exactly PUNB0808900 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 PNB LOAN POINT - RAM - SOLAN 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 PNB Loan Point - Ram - Solan branch
The branch is located at NONOINT-RM-SONHSON, which puts it inside Solan, the broader Solan district, and the state of Himachal Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank PNB Loan Point - Ram - Solan branch” — the verified location pin for IFSC PUNB0808900 should appear at the top of the results.
- Confirm the branch is open by calling 11-23765326 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 PUNB0808900 and your account number.
Verifying IFSC PUNB0808900 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 PUNB0808900 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 11-23765326.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at PNB Loan Point - Ram - Solan 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 PUNB0808900 continue to work without interruption.
Branch address & contact
Punjab National BankPNB Loan Point - Ram - Solan Branch
NONOINT-RM-SONHSON
Solan, Himachal Pradesh
Phone: 11-23765326
IFSC: PUNB0808900
Frequently asked questions
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the PNB Loan Point - Ram - Solan branch but serve different purposes.
Can I use IFSC PUNB0808900 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0808900 to send funds instantly.
Is IFSC PUNB0808900 the same for all accounts at PNB Loan Point - Ram - Solan branch?
Yes. The IFSC PUNB0808900 is shared by every account held at Punjab National Bank's PNB Loan Point - Ram - Solan branch. Only the account number changes from customer to customer.
Is IFSC PUNB0808900 valid for NEFT and RTGS?
Yes. IFSC PUNB0808900 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Punjab National Bank PNB Loan Point - Ram - Solan as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0808900, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Punjab National Bank PNB Loan Point - Ram - Solan branch?
You can reach the branch at 11-23765326 during regular banking hours.
What is the IFSC code of Punjab National Bank PNB Loan Point - Ram - Solan branch?
The IFSC code of Punjab National Bank, PNB Loan Point - Ram - Solan branch is PUNB0808900. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code PUNB0808900 belongs to Punjab National Bank's PNB LOAN POINT - RAM - SOLAN branch, located at NONOINT-RM-SONHSON in SOLAN, 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.
