If you are searching for the IFSC code of Punjab National Bank, KATTAKADA branch in THIRK, KERALA, this page has every detail you need. The verified IFSC code for this branch is PUNB0017230. 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 KATTAKADA branch, and detailed step-by-step guides for using the IFSC PUNB0017230 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.
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 – KATTAKADA is PUNB0017230. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 017230 map to this branch in THIRK, KERALA.
About Punjab National Bank
Punjab National Bank operates a wide network of branches across India, including the Kattakada branch in Thirk. 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, PUNB0017230.
About this branch
The branch is located at PNB KATTAKADA DWARKA WARD 3 DOOR 474. It serves the Thirk 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 PUNB0017230 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Kattakada |
| IFSC Code | PUNB0017230 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PNB KATTAKADA DWARKA WARD 3 DOOR 474 |
| City | Thirk |
| District | Thiruvananthapuram |
| State | Kerala |
| STD Code | 0 |
| Phone | 23765326 |
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 KATTAKADA branch came to be assigned the code PUNB0017230.
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 PUNB0017230, money simply cannot be routed to the KATTAKADA branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Kattakada branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0017230 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 PUNB0017230
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 PUNB0017230 across all three.
NEFT to Punjab National Bank, KATTAKADA using IFSC PUNB0017230
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 PUNB0017230, and confirm that the system picks up Punjab National Bank – KATTAKADA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KATTAKADA
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's KATTAKADA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0017230 while initiating the transfer and the credit will appear within minutes.
IMPS to Punjab National Bank KATTAKADA (IFSC PUNB0017230)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0017230 in your mobile or internet banking app, and the money is credited to the KATTAKADA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0017230 for Punjab National Bank – KATTAKADA, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – PUNB0017230 | Yes – PUNB0017230 | Yes – PUNB0017230 |
For most retail customers crediting the Kattakada 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.
UPI payments and IFSC PUNB0017230
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 – KATTAKADA is still mapped to IFSC PUNB0017230. 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 PUNB0017230 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kattakada branch is mapped to IFSC PUNB0017230 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 PUNB0017230.
Banking services available
The Kattakada branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 23765326.
- 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 PUNB0017230
Online banking and IFSC PUNB0017230
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the KATTAKADA 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 PUNB0017230 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.
How to reach the Kattakada branch
The branch is located at PNB KATTAKADA DWARKA WARD 3 DOOR 474, which puts it inside Thirk, the broader Thiruvananthapuram district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Kattakada branch” — the verified location pin for IFSC PUNB0017230 should appear at the top of the results.
- Confirm the branch is open by calling 23765326 before stepping out, especially around public holidays.
- 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 PUNB0017230 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 – KATTAKADA:
- The IFSC is exactly PUNB0017230 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 KATTAKADA 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.
Working hours
Branch counters at Kattakada 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 PUNB0017230 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC PUNB0017230 for Punjab National Bank – KATTAKADA, 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
Punjab National BankKattakada Branch
PNB KATTAKADA DWARKA WARD 3 DOOR 474
Thirk, Kerala
Phone: 23765326
IFSC: PUNB0017230
Frequently asked questions
What is the IFSC code of Punjab National Bank Kattakada branch?
The IFSC code of Punjab National Bank, Kattakada branch is PUNB0017230. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC PUNB0017230 the same for all accounts at Kattakada branch?
Yes. The IFSC PUNB0017230 is shared by every account held at Punjab National Bank's Kattakada branch. Only the account number changes from customer to customer.
Is IFSC PUNB0017230 valid for NEFT and RTGS?
Yes. IFSC PUNB0017230 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Punjab National Bank Kattakada branch?
You can reach the branch at 23765326 during regular banking hours.
How do I add Punjab National Bank Kattakada as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0017230, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Punjab National Bank Kattakada branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 23765326 to confirm.
Final notes
To recap: PUNB0017230 is the IFSC code of Punjab National Bank, KATTAKADA branch, in THIRK, KERALA. 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.
