IFSC Code of Punjab National Bank, Thana Bhawan ,Muzaffarnagar U Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Punjab National Bank's THANA BHAWAN ,MUZAFFARNAGAR U branch in THANABHAWAN DISTT- MUZAFFAR NAGAR ,U.P., UTTAR PRADESH. The branch's IFSC code PUNB0402300 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.

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 THANA BHAWAN ,MUZAFFARNAGAR U branch, the IFSC PUNB0402300 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 402300 identifies this particular branch.

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Thana Bhawan ,Muzaffarnagar U branch in Thanabhawan Distt- Muzaffar Nagar ,U.P.. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, PUNB0402300.

About the Thana Bhawan ,Muzaffarnagar U branch

The Thana Bhawan ,Muzaffarnagar U branch of Punjab National Bank is situated at THANABHAWAN DISTT- MUZAFFAR NAGAR. 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 PUNB0402300 is used.

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 THANA BHAWAN ,MUZAFFARNAGAR U of Punjab National Bank — its own 11-character IFSC. The code PUNB0402300 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 PUNB0402300 the same way you would treat your account number — verify it once and save it carefully for future use.

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 PUNB0402300 and the account number together uniquely identify the Thana Bhawan ,Muzaffarnagar U branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC PUNB0402300

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 PUNB0402300 across all three.

NEFT to Punjab National Bank, THANA BHAWAN ,MUZAFFARNAGAR U using IFSC PUNB0402300

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 PUNB0402300, and confirm that the system picks up Punjab National Bank – THANA BHAWAN ,MUZAFFARNAGAR U. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PUNB0402300

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 – THANA BHAWAN ,MUZAFFARNAGAR U, ensure your bank's portal accepts IFSC PUNB0402300 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank THANA BHAWAN ,MUZAFFARNAGAR U (IFSC PUNB0402300)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0402300 in your mobile or internet banking app, and the money is credited to the THANA BHAWAN ,MUZAFFARNAGAR U branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Thana Bhawan ,Muzaffarnagar U

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 PUNB0402300:

• 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 THANA BHAWAN ,MUZAFFARNAGAR U is still linked to IFSC PUNB0402300.

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 THANA BHAWAN ,MUZAFFARNAGAR U branch, the IFSC PUNB0402300 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 Thana Bhawan ,Muzaffarnagar U branch is mapped to IFSC PUNB0402300 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 PUNB0402300.

Products and services

Customers walking into the Thana Bhawan ,Muzaffarnagar U 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 PUNB0402300

Digital banking channels

Most day-to-day work that customers used to do at the Thana Bhawan ,Muzaffarnagar U 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 PUNB0402300 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.

How to reach the Thana Bhawan ,Muzaffarnagar U branch

The branch is located at THANABHAWAN DISTT- MUZAFFAR NAGAR, which puts it inside Thanabhawan Distt- Muzaffar Nagar ,U.P., the broader U.P. district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Thana Bhawan ,Muzaffarnagar U branch” — the verified location pin for IFSC PUNB0402300 should appear at the top of the results.
2. Confirm the branch is open by calling 0 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 PUNB0402300 and your account number.

Common mistakes to avoid when using IFSC PUNB0402300

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 – THANA BHAWAN ,MUZAFFARNAGAR U, 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: PUNB0402300.
• 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.

Working hours

Branch counters at Thana Bhawan ,Muzaffarnagar U 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 PUNB0402300 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0402300 for Punjab National Bank – THANA BHAWAN ,MUZAFFARNAGAR U, 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

Summary

The IFSC code PUNB0402300 belongs to Punjab National Bank's THANA BHAWAN ,MUZAFFARNAGAR U branch, located at THANABHAWAN DISTT- MUZAFFAR NAGAR in THANABHAWAN DISTT- MUZAFFAR NAGAR ,U.P., UTTAR 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.