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

If you are searching for the IFSC code of Punjab National Bank, SRINAGAR MAHARAJGANJ, DISTT. S branch in SRINAGAR, ,JK, JAMMU AND KASHMIR, this page has every detail you need. The verified IFSC code for this branch is PUNB0043700. 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 SRINAGAR MAHARAJGANJ, DISTT. S branch, and detailed step-by-step guides for using the IFSC PUNB0043700 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Punjab National Bank's SRINAGAR MAHARAJGANJ, DISTT. S branch, the IFSC PUNB0043700 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 043700 identifies this particular branch.

Branch details at a glance

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Srinagar Maharajganj, Distt. S branch — IFSC PUNB0043700 — extends the bank's services to customers in and around Srinagar, ,Jk, Jammu and Kashmir.

About this branch

The branch is located at SRINAGAR, MAHARAJGUNJ, J&K. It serves the Srinagar, ,Jk region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Punjab National Bank. The IFSC PUNB0043700 is used to identify this branch on the RBI payments network.

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 MAHARAJGANJ, DISTT. S branch came to be assigned the code PUNB0043700.

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 PUNB0043700, money simply cannot be routed to the SRINAGAR MAHARAJGANJ, DISTT. S branch electronically.

How to transfer money using IFSC PUNB0043700

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 PUNB0043700 across all three.

NEFT to Punjab National Bank, SRINAGAR MAHARAJGANJ, DISTT. S using IFSC PUNB0043700

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 PUNB0043700, and confirm that the system picks up Punjab National Bank – SRINAGAR MAHARAJGANJ, DISTT. S. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PUNB0043700

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Punjab National Bank – SRINAGAR MAHARAJGANJ, DISTT. S, ensure your bank's portal accepts IFSC PUNB0043700 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank SRINAGAR MAHARAJGANJ, DISTT. S (IFSC PUNB0043700)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0043700 in your mobile or internet banking app, and the money is credited to the SRINAGAR MAHARAJGANJ, DISTT. S branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Srinagar Maharajganj, 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 PUNB0043700:

• 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 MAHARAJGANJ, DISTT. S is still linked to IFSC PUNB0043700.

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 SRINAGAR MAHARAJGANJ, DISTT. S branch, the IFSC PUNB0043700 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 Srinagar Maharajganj, Distt. S branch is mapped to IFSC PUNB0043700 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 PUNB0043700.

Banking services available

The Srinagar Maharajganj, 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 PUNB0043700

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 PUNB0043700 and the account number together uniquely identify the Srinagar Maharajganj, Distt. S branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Srinagar Maharajganj, Distt. S 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 PUNB0043700 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 – SRINAGAR MAHARAJGANJ, DISTT. S:

• The IFSC is exactly PUNB0043700 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 SRINAGAR MAHARAJGANJ, DISTT. S 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.

Reaching the branch

The Srinagar Maharajganj, Distt. S branch sits at SRINAGAR, MAHARAJGUNJ, J&K. If you are travelling from outside Srinagar, ,Jk, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 PUNB0043700 and your account number.

Verifying IFSC PUNB0043700 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 PUNB0043700 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.

Working hours

Branch counters at Srinagar Maharajganj, Distt. S 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 PUNB0043700 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0043700 belongs to Punjab National Bank's SRINAGAR MAHARAJGANJ, DISTT. S branch, located at SRINAGAR, MAHARAJGUNJ, J&K in SRINAGAR, ,JK, JAMMU AND KASHMIR. 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.