IFSC Code of Punjab National Bank, Tumen, Distt. Ashok Nagar ,Mp Branch, Madhya Pradesh

If you are searching for the IFSC code of Punjab National Bank, TUMEN, DISTT. ASHOK NAGAR ,MP branch in TUMEN,MP, MADHYA PRADESH, this page has every detail you need. The verified IFSC code for this branch is PUNB0138700. 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 TUMEN, DISTT. ASHOK NAGAR ,MP branch, and detailed step-by-step guides for using the IFSC PUNB0138700 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 – TUMEN, DISTT. ASHOK NAGAR ,MP is PUNB0138700. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 138700 map to this branch in TUMEN,MP, MADHYA PRADESH.

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 Tumen, Distt. Ashok Nagar ,Mp branch — IFSC PUNB0138700 — extends the bank's services to customers in and around Tumen,Mp, Madhya Pradesh.

About the Tumen, Distt. Ashok Nagar ,Mp branch

The Tumen, Distt. Ashok Nagar ,Mp branch of Punjab National Bank is situated at VPO TUMEN. 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 PUNB0138700 is used.

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 TUMEN, DISTT. ASHOK NAGAR ,MP branch came to be assigned the code PUNB0138700.

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 PUNB0138700, money simply cannot be routed to the TUMEN, DISTT. ASHOK NAGAR ,MP branch electronically.

How to transfer money using IFSC PUNB0138700

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 PUNB0138700 across all three.

NEFT to Punjab National Bank, TUMEN, DISTT. ASHOK NAGAR ,MP using IFSC PUNB0138700

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 PUNB0138700, and confirm that the system picks up Punjab National Bank – TUMEN, DISTT. ASHOK NAGAR ,MP. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to TUMEN, DISTT. ASHOK NAGAR ,MP

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's TUMEN, DISTT. ASHOK NAGAR ,MP branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0138700 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 – TUMEN, DISTT. ASHOK NAGAR ,MP, use IMPS. With IFSC PUNB0138700 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 Tumen, Distt. Ashok Nagar ,Mp

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 PUNB0138700:

• 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 TUMEN, DISTT. ASHOK NAGAR ,MP is still linked to IFSC PUNB0138700.

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 TUMEN, DISTT. ASHOK NAGAR ,MP branch, the IFSC PUNB0138700 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.

Account types you can open at the Tumen, Distt. Ashok Nagar ,Mp branch

Once you have an account at Punjab National Bank – TUMEN, DISTT. ASHOK NAGAR ,MP, the IFSC PUNB0138700 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 Tumen, Distt. Ashok Nagar ,Mp 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 PUNB0138700

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 PUNB0138700 and the account number together uniquely identify the Tumen, Distt. Ashok Nagar ,Mp 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 Tumen, Distt. Ashok Nagar ,Mp 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 PUNB0138700 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.

Common mistakes to avoid when using IFSC PUNB0138700

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 – TUMEN, DISTT. ASHOK NAGAR ,MP, 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: PUNB0138700.
• 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 Tumen, Distt. Ashok Nagar ,Mp branch

The branch is located at VPO TUMEN, which puts it inside Tumen,Mp, the broader Distt. Ashok Nagar district, and the state of Madhya Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Tumen, Distt. Ashok Nagar ,Mp branch” — the verified location pin for IFSC PUNB0138700 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 PUNB0138700 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0138700 for Punjab National Bank – TUMEN, DISTT. ASHOK NAGAR ,MP, 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 Tumen, Distt. Ashok Nagar ,Mp branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0138700, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0138700 is the IFSC code of Punjab National Bank, TUMEN, DISTT. ASHOK NAGAR ,MP branch, in TUMEN,MP, MADHYA 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.