IFSC Code of Punjab National Bank, Srinagar Badami Bagh, Distt. S Branch, Jammu and Kashmir

This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, SRINAGAR BADAMI BAGH, DISTT. S branch in SRINAGAR, ,JK. The 11-digit IFSC PUNB0311600 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 SRINAGAR BADAMI BAGH, DISTT. S 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 – SRINAGAR BADAMI BAGH, DISTT. S is PUNB0311600. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 311600 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 Srinagar Badami Bagh, Distt. S branch — IFSC PUNB0311600 — extends the bank's services to customers in and around Srinagar, ,Jk, Jammu and Kashmir.

Branch details at a glance

Srinagar Badami Bagh, Distt. S branch overview

Located at SONWAR, BADAMIBAGH SRINAGAR, the Srinagar Badami Bagh, Distt. S branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0311600 is required for all interbank electronic transfers routed through this branch.

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 SRINAGAR BADAMI BAGH, DISTT. S branch came to be assigned the code PUNB0311600.

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 PUNB0311600, money simply cannot be routed to the SRINAGAR BADAMI BAGH, DISTT. S branch electronically.

Products and account variants supported

Every account opened at the Srinagar Badami Bagh, Distt. S branch is mapped to IFSC PUNB0311600 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 PUNB0311600.

Banking services available

The Srinagar Badami Bagh, Distt. S 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 PUNB0311600

How to transfer money using IFSC PUNB0311600

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 PUNB0311600 across all three.

How to use IFSC PUNB0311600 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's SRINAGAR BADAMI BAGH, DISTT. S 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 PUNB0311600.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as SRINAGAR BADAMI BAGH, DISTT. S.
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 SRINAGAR BADAMI BAGH, DISTT. S

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's SRINAGAR BADAMI BAGH, DISTT. S branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0311600 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 – SRINAGAR BADAMI BAGH, DISTT. S, use IMPS. With IFSC PUNB0311600 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 Srinagar Badami Bagh, Distt. S

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 PUNB0311600:

• 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 SRINAGAR BADAMI BAGH, DISTT. S is still linked to IFSC PUNB0311600.

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.

UPI payments and IFSC PUNB0311600

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Punjab National Bank – SRINAGAR BADAMI BAGH, DISTT. S is still mapped to IFSC PUNB0311600. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC PUNB0311600 and the beneficiary's account number to complete the transfer.

Online banking and IFSC PUNB0311600

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the SRINAGAR BADAMI BAGH, DISTT. S 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 PUNB0311600 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 & cheque-truncation details

Cheques drawn on the Srinagar Badami Bagh, Distt. S branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0311600 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 PUNB0311600

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 – SRINAGAR BADAMI BAGH, DISTT. S, 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: PUNB0311600.
• 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 Srinagar Badami Bagh, Distt. S branch

The branch is located at SONWAR, BADAMIBAGH SRINAGAR, which puts it inside Srinagar, ,Jk, the broader Jk district, and the state of Jammu and Kashmir. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Srinagar Badami Bagh, Distt. S branch” — the verified location pin for IFSC PUNB0311600 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 PUNB0311600 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0311600 for Punjab National Bank – SRINAGAR BADAMI BAGH, DISTT. S, 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 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 Srinagar Badami Bagh, Distt. S branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0311600, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0311600 is the IFSC code of Punjab National Bank, SRINAGAR BADAMI BAGH, DISTT. S 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.