PUNBBranch Code: 981200

Punjab National Bank IFSC Code

GHAGWAL Branch, SAMBA, SAMBA, JAMMU AND KASHMIR

Primary IFSC Code

PUNB0981200

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

The official Indian Financial System Code (IFSC) for Punjab National Bank, GHAGWAL branch in SAMBA, JAMMU AND KASHMIR is PUNB0981200. The MICR code for cheque clearance is 180024044.

Branch Fact Sheet & Electronic Routing Details

Bank Name: Punjab National Bank
Branch Name: GHAGWAL
MICR Code: 180024044
City / District: SAMBA (SAMBA)
State: JAMMU AND KASHMIR
Postal Pincode: 184141

Full Branch Address

PUNJAB NATIONAL BANK GHAGWAL DIST SAMBA JAMMU JAMMU AND KASHMIR 184141, Pincode: 184141

Contact Details

Phone: +919419535492

How to Read IFSC Code: PUNB0981200

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.

981200Branch 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 (PUNB0981200)

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

The IFSC Code for Punjab National Bank GHAGWAL branch in SAMBA, JAMMU AND KASHMIR is PUNB0981200. It is used for NEFT, RTGS, and IMPS funds transfer.

What is the address of Punjab National Bank GHAGWAL branch?

The branch is located at: PUNJAB NATIONAL BANK GHAGWAL DIST SAMBA JAMMU JAMMU AND KASHMIR 184141, Pincode: 184141, SAMBA, JAMMU AND KASHMIR.

What is the MICR Code for Punjab National Bank GHAGWAL?

The MICR Code for electronic cheque clearing at Punjab National Bank GHAGWAL is 180024044.

How can I contact Punjab National Bank GHAGWAL branch?

You can contact the branch at: Phone: +919419535492. For official national customer care, refer to Punjab National Bank's official banking channels.

How to decipher the IFSC code PUNB0981200?

The first 4 characters 'PUNB' represent Punjab National Bank. The 5th character is '0' reserved for future use. The last 6 characters '981200' represent the specific GHAGWAL branch code.