Punjab National Bank
Browse official IFSC codes, MICR details, branch addresses, and customer support information for 13,057 branches of Punjab National Bank across India.
About Punjab National Bank IFSC Codes & Routing Information
The Indian Financial System Code (IFSC) is an 11-character alphanumeric identifier assigned by the Reserve Bank of India (RBI) to identify branches of Punjab National Bank. The code format begins with PUNB, followed by control zero 0, and ends with the 6-digit branch identifier.
Use official Punjab National Bank branch IFSC codes to route electronic transfers including NEFT, RTGS, IMPS, and UPI payments securely through Indian central payment clearing systems.
Punjab National Bank Balance Check, Missed Call & SMS Banking Numbers
Instant balance enquiry numbers, mini-statement SMS formats, WhatsApp banking, and 24x7 emergency helplinesAccount Balance
Give a missed call from your registered mobile number for instant account balance via SMS.
Last 3 - 5 Txns
Missed call number to receive your recent transactions and account summary.
WhatsApp Assistant
PNB WhatsApp Banking for balance check, last 5 transactions, stop cheque, and locating nearby branch.
Block ATM Debit Card
Immediately block ATM debit card upon theft or unauthorised transaction.
2. 24x7 Customer Care & Helpline Numbers
3. SMS Banking Syntax & SMS Shortcodes
| Banking Service | SMS Command / Format | Send SMS To | Notes / Information |
|---|---|---|---|
| Balance Enquiry |
BAL <Account Number>
|
5607040 | SMS from registered mobile |
| Mini Statement |
MINSTMT <Account Number>
|
5607040 | Last 5 transaction alerts |
| Stop Cheque Payment |
STOP <Cheque No> <Account No>
|
5607040 | Instant cheque stop instruction |
| Hotlist Debit Card |
HOT <Account Number>
|
5607040 | Emergency card deactivation |
How to use Missed Call & SMS Banking
- Registered Mobile Number: The missed call or SMS must be sent exclusively from the mobile SIM linked to your bank account.
- Auto-Activated: No prior registration needed. The service is pre-activated for all mobile-linked accounts.
- Zero Toll Charges: The call disconnects automatically after 1 or 2 rings without any call cost. The bank delivers the account summary via SMS within 10 to 30 seconds.
Punjab National Bank Retail Banking, Account Types & Debit Cards
Verified retail banking specifications, minimum balance (MAB) rules, and card withdrawal limits1. Popular Savings & Deposit Account Types
PNB Unnati Savings Account
Free 20 cheque leaves per year, free internet & mobile banking (PNB ONE app), and NEFT/RTGS 24x7.
PNB Digital Video KYC Account
Instant account generation via PNB ONE Portal with paperless Video KYC verification.
PNB Junior SF Account (Minors)
Designed for students above 10 years of age to encourage digital financial literacy with customized RuPay card.
Basic Savings Bank Deposit Account (BSBDA)
Zero balance facility under RBI financial inclusion mandate with free RuPay Classic debit card.
2. Minimum Balance (MAB/AMB) Requirements by Location
| Branch Location / Tier | Minimum Balance Required | Non-Maintenance Penalty |
|---|---|---|
| Metro & Urban Branches | ₹2,000 Quarterly Average Balance (QAB) |
₹50 – ₹150 + GST per quarter (shortfall dependent; balance cannot turn negative)
Per RBI mandate, banks cannot turn savings account balances negative.
|
| Semi-Urban Branches | ₹1,000 Quarterly Average Balance (QAB) | |
| Rural Branches | ₹500 Quarterly Average Balance (QAB) |
3. Popular Debit Card Variants & Daily Transaction Limits
PNB RuPay Classic Debit Card
Standard domestic EMV chip card for cash withdrawals and online merchant shopping.
PNB RuPay Platinum Debit Card
Includes ₹2 Lakh accidental insurance cover, merchant cashback offers, and domestic lounge access.
PNB Visa Gold / International Card
International ATM and online global transaction support with Visa secure checkout.
Digital Account Opening & Video KYC Prerequisites
Open a paperless savings account online in 5-10 minutes with Aadhaar OTP authentication and live Video KYC.
Browse Punjab National Bank Branches by State / Union Territory
Select your state below to find the specific branch, IFSC code, and district clearing center.
All Punjab National Bank Branches
Showing active branches and verified IFSC codes for RTGS/NEFT/IMPS transfers.
Customer Support & Grievance Redressal Mechanism
If you encounter issues with failed electronic fund transfers (NEFT/RTGS/IMPS) or incorrect branch processing at Punjab National Bank, you can follow the structured RBI escalation path:
Branch Manager / Customer Care
Lodge your complaint with the local branch manager or call the toll-free customer helpline. Obtain a complaint reference token.
Internal Grievance Cell
If unresolved within 10 days, escalate to the bank's Principal Nodal Officer (PNO) or Chief Quality Care officer at the corporate headquarters.
RBI Banking Ombudsman
If the grievance remains unresolved for over 30 days, file an online complaint at the RBI CMS portal (cms.rbi.org.in) under the Integrated Ombudsman Scheme.
UPI 0.4% Merchant Charges & Limits (NPCI Guidelines)
Understanding the 0.4% MDR on payments above ₹2,000, fee caps & consumer exemptionsZero Cost to Users
All personal transfers (P2P) and purchases made by customers are 100% FREE (₹0 fees). Surcharging customers is illegal.
Commercial Merchants
A 0.4% MDR applies to commercial merchant transactions above ₹2,000 (capped at ₹300). Small vendors (≤ ₹1L/month) are exempt.
NEFT / RTGS / IMPS
Online NEFT & RTGS are free per RBI rules for savings accounts. IMPS allows instant transfers up to ₹5 Lakh around the clock.
Frequently Asked Questions: Punjab National Bank
0), and ends with a 6-character branch code. You can locate any branch using the state and district directory above.