IFSC Code of Punjab National Bank, Ssl Jain ,I.C ,Vidisha M.P Branch, Madhya Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, SSL JAIN ,I.C ,VIDISHA M.P branch in VIDISHA. The 11-digit IFSC PUNB0404800 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Punjab National Bank at the SSL JAIN ,I.C ,VIDISHA M.P location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 SSL JAIN ,I.C ,VIDISHA M.P branch, the IFSC PUNB0404800 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 404800 identifies this particular branch.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ssl Jain ,I.C ,Vidisha M.P branch — IFSC PUNB0404800 — extends the bank's services to customers in and around Vidisha, Madhya Pradesh.

Branch details at a glance

Ssl Jain ,I.C ,Vidisha M.P branch overview

Located at S.S. L. JAIN COLLEGE, the Ssl Jain ,I.C ,Vidisha M.P branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0404800 is required for all interbank electronic transfers routed through this branch.

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 SSL JAIN ,I.C ,VIDISHA M.P of Punjab National Bank — its own 11-character IFSC. The code PUNB0404800 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 PUNB0404800 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Ssl Jain ,I.C ,Vidisha M.P branch is mapped to IFSC PUNB0404800 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 PUNB0404800.

Products and services

Customers walking into the Ssl Jain ,I.C ,Vidisha M.P 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 PUNB0404800

How to transfer money using IFSC PUNB0404800

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 PUNB0404800 across all three.

How to use IFSC PUNB0404800 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's SSL JAIN ,I.C ,VIDISHA M.P 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 PUNB0404800.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as SSL JAIN ,I.C ,VIDISHA M.P.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC PUNB0404800

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 – SSL JAIN ,I.C ,VIDISHA M.P, ensure your bank's portal accepts IFSC PUNB0404800 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank SSL JAIN ,I.C ,VIDISHA M.P (IFSC PUNB0404800)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0404800 in your mobile or internet banking app, and the money is credited to the SSL JAIN ,I.C ,VIDISHA M.P branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ssl Jain ,I.C ,Vidisha M.P

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 PUNB0404800:

• 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 SSL JAIN ,I.C ,VIDISHA M.P is still linked to IFSC PUNB0404800.

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 SSL JAIN ,I.C ,VIDISHA M.P branch, the IFSC PUNB0404800 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.

Online banking and IFSC PUNB0404800

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the SSL JAIN ,I.C ,VIDISHA M.P 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 PUNB0404800 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 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 PUNB0404800 and the account number together uniquely identify the Ssl Jain ,I.C ,Vidisha M.P branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – SSL JAIN ,I.C ,VIDISHA M.P:

• The IFSC is exactly PUNB0404800 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 SSL JAIN ,I.C ,VIDISHA M.P 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.

How to reach the Ssl Jain ,I.C ,Vidisha M.P branch

The branch is located at S.S. L. JAIN COLLEGE, which puts it inside Vidisha, the broader Vidisha district, and the state of Madhya Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Ssl Jain ,I.C ,Vidisha M.P branch” — the verified location pin for IFSC PUNB0404800 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 PUNB0404800 and your account number.

Verifying IFSC PUNB0404800 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 PUNB0404800 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 Ssl Jain ,I.C ,Vidisha M.P 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 PUNB0404800 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0404800 belongs to Punjab National Bank's SSL JAIN ,I.C ,VIDISHA M.P branch, located at S.S. L. JAIN COLLEGE in VIDISHA, MADHYA 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.