IFSC Code of Punjab National Bank, Townidevi Branch, Himachal Pradesh

Use this page as a one-stop reference for everything related to Punjab National Bank's TOWNIDEVI branch in TAUNI DEVI ,DISTT-HAMIRPUR, HIMACHAL PRADESH. The branch's IFSC code PUNB0331000 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 – TOWNIDEVI is PUNB0331000. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 331000 map to this branch in TAUNI DEVI ,DISTT-HAMIRPUR, HIMACHAL PRADESH.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Townidevi branch — IFSC PUNB0331000 — extends the bank's services to customers in and around Tauni Devi ,Distt-Hamirpur, Himachal Pradesh.

Branch details at a glance

About this branch

The branch is located at TAUNI DEVI DISTT. HAMIRPUR HP. It serves the Tauni Devi ,Distt-Hamirpur 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 PUNB0331000 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 TOWNIDEVI branch came to be assigned the code PUNB0331000.

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 PUNB0331000, money simply cannot be routed to the TOWNIDEVI branch electronically.

Account types you can open at the Townidevi branch

Once you have an account at Punjab National Bank – TOWNIDEVI, the IFSC PUNB0331000 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 Townidevi 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 PUNB0331000

How to transfer money using IFSC PUNB0331000

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 PUNB0331000 across all three.

How to use IFSC PUNB0331000 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's TOWNIDEVI 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 PUNB0331000.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as TOWNIDEVI.
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 TOWNIDEVI

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's TOWNIDEVI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0331000 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank TOWNIDEVI (IFSC PUNB0331000)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0331000 in your mobile or internet banking app, and the money is credited to the TOWNIDEVI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Townidevi

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 PUNB0331000:

• 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 TOWNIDEVI is still linked to IFSC PUNB0331000.

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 PUNB0331000

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 – TOWNIDEVI is still mapped to IFSC PUNB0331000. 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 PUNB0331000 and the beneficiary's account number to complete the transfer.

Online banking and IFSC PUNB0331000

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the TOWNIDEVI 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 PUNB0331000 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 Townidevi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0331000 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 PUNB0331000

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 – TOWNIDEVI, 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: PUNB0331000.
• 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.

Reaching the branch

The Townidevi branch sits at TAUNI DEVI DISTT. HAMIRPUR HP. If you are travelling from outside Tauni Devi ,Distt-Hamirpur, 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 PUNB0331000 and your account number.

Verifying IFSC PUNB0331000 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 PUNB0331000 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 Townidevi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0331000, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0331000 is the IFSC code of Punjab National Bank, TOWNIDEVI branch, in TAUNI DEVI ,DISTT-HAMIRPUR, HIMACHAL PRADESH. 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.