PUNBBranch Code: 097610

Punjab National Bank IFSC Code

KARIYAM Branch, KARIYAM, KARIYAM, Punjab

Primary IFSC Code

PUNB0097610

Banking information from our maintained dataset. Last Verified: 23 Sept 2026

The official Indian Financial System Code (IFSC) for Punjab National Bank, KARIYAM branch in KARIYAM, Punjab is PUNB0097610. The MICR code for cheque clearance is 144024317.

Branch Fact Sheet & Electronic Routing Details

Bank Name: Punjab National Bank
Branch Name: KARIYAM
MICR Code: 144024317
City / District: KARIYAM (KARIYAM)
State: Punjab
Postal Pincode: 144514

Full Branch Address

LUDHIANA ROAD VPO KARIYAM 144514, Pincode: 144514

Contact Details

Phone: +911823232874

How to Read IFSC Code: PUNB0097610

An Indian Financial System Code (IFSC) is a unique 11-character alphanumeric code assigned by the Reserve Bank of India to identify bank branches for electronic payment systems.

PUNBBank Identifier

First 4 alphabetic characters identify Punjab National Bank.

0Control Character

5th character is always numeral '0', reserved for future use.

097610Branch Code

Last 6 alphanumeric characters identify the specific physical branch.

Payment Systems Supported by this IFSC Code

Payment System	Settlement Time	Minimum Amount	Availability	Ideal For
NEFT (National Electronic Funds Transfer)	Half-hourly batches	₹1 (No minimum)	24x7x365	Routine bills, small & medium transactions
RTGS (Real Time Gross Settlement)	Real-time instant	₹2,00,000	24x7x365	High-value urgent financial transfers
IMPS (Immediate Payment Service)	Immediate	₹1 (Max ₹5 Lakh)	24x7x365	Instant mobile banking & emergency transfers

Both NEFT and RTGS operate around the clock in India. Always double check the 11-digit IFSC code and recipient account number before submitting your transfer.

Frequently Asked Questions: Punjab National Bank (PUNB0097610)

What is the IFSC Code for Punjab National Bank KARIYAM branch?

The IFSC Code for Punjab National Bank KARIYAM branch in KARIYAM, Punjab is PUNB0097610. It is used for NEFT, RTGS, and IMPS funds transfer.

What is the address of Punjab National Bank KARIYAM branch?

The branch is located at: LUDHIANA ROAD VPO KARIYAM 144514, Pincode: 144514, KARIYAM, Punjab.

What is the MICR Code for Punjab National Bank KARIYAM?

The MICR Code for electronic cheque clearing at Punjab National Bank KARIYAM is 144024317.

How can I contact Punjab National Bank KARIYAM branch?

You can contact the branch at: Phone: +911823232874. For official national customer care, refer to Punjab National Bank's official banking channels.

How to decipher the IFSC code PUNB0097610?

The first 4 characters 'PUNB' represent Punjab National Bank. The 5th character is '0' reserved for future use. The last 6 characters '097610' represent the specific KARIYAM branch code.