IFSC Code of Punjab National Bank, Circle Sastra Center Srinagar Branch, Jammu and Kashmir

Below are the complete branch details for Punjab National Bank, CIRCLE SASTRA CENTER SRINAGAR branch, located in SRINAGAR JK, JAMMU AND KASHMIR. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0832200. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case PUNB0832200 for Punjab National Bank – CIRCLE SASTRA CENTER SRINAGAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – CIRCLE SASTRA CENTER SRINAGAR is PUNB0832200. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 832200 map to this branch in SRINAGAR JK, JAMMU AND KASHMIR.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Circle Sastra Center Srinagar branch — IFSC PUNB0832200 — extends the bank's services to customers in and around Srinagar Jk, Jammu and Kashmir.

Circle Sastra Center Srinagar branch overview

Located at CIRCLE SASTRA CENTER SRINAGAR JK SRINA, the Circle Sastra Center Srinagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0832200 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 CIRCLE SASTRA CENTER SRINAGAR of Punjab National Bank — its own 11-character IFSC. The code PUNB0832200 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 PUNB0832200 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Circle Sastra Center Srinagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0832200 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC PUNB0832200

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 PUNB0832200 across all three.

How to use IFSC PUNB0832200 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's CIRCLE SASTRA CENTER SRINAGAR 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 PUNB0832200.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as CIRCLE SASTRA CENTER SRINAGAR.
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 CIRCLE SASTRA CENTER SRINAGAR

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's CIRCLE SASTRA CENTER SRINAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0832200 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 – CIRCLE SASTRA CENTER SRINAGAR, use IMPS. With IFSC PUNB0832200 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC PUNB0832200 for Punjab National Bank – CIRCLE SASTRA CENTER SRINAGAR, 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 Circle Sastra Center Srinagar 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 CIRCLE SASTRA CENTER SRINAGAR branch, the IFSC PUNB0832200 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.

Products and account variants supported

Every account opened at the Circle Sastra Center Srinagar branch is mapped to IFSC PUNB0832200 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 PUNB0832200.

Products and services

Customers walking into the Circle Sastra Center Srinagar 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 PUNB0832200

Digital banking channels

Most day-to-day work that customers used to do at the Circle Sastra Center Srinagar 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 PUNB0832200 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.

Reaching the branch

The Circle Sastra Center Srinagar branch sits at CIRCLE SASTRA CENTER SRINAGAR JK SRINA. If you are travelling from outside Srinagar Jk, search for the branch on a maps application using the bank name and locality, or call 11-23765326 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC PUNB0832200 and your account number.

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 – CIRCLE SASTRA CENTER SRINAGAR:

• The IFSC is exactly PUNB0832200 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 CIRCLE SASTRA CENTER SRINAGAR 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.

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 Circle Sastra Center Srinagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0832200, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0832200 for Punjab National Bank – CIRCLE SASTRA CENTER SRINAGAR, 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.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0832200 is the IFSC code of Punjab National Bank, CIRCLE SASTRA CENTER SRINAGAR branch, in SRINAGAR JK, JAMMU AND KASHMIR. 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.