Punjab National Bank IFSC Codes in Ludhiana, Punjab

Punjab National Bank IFSC Codes in Ludhiana, Punjab

Punjab National Bank has 110 branches in Ludhiana, Punjab, with 110 branches registered on the Reserve Bank of India's NEFT and RTGS payment networks. Each branch has a unique 11-character IFSC code — the mandatory alphanumeric identifier required for all electronic fund transfers in India. BankZop's Punjab National Bank Ludhiana directory is sourced directly from official RBI master data, making it the most reliable reference for branch IFSC codes in Ludhiana.

Click any branch from the list above to view its complete details — IFSC code, MICR code, BSR code, address, pincode, and phone number — all on a single result page with one-click copy buttons.

How to Find Your Punjab National Bank IFSC Code in Ludhiana

You are one click away from the IFSC code you need. Here is the process:

• Step 1 — Filter if needed: Type your branch name in the search box above if the list is long. The list filters instantly as you type.
• Step 2 — Click your branch: Click the branch where your Punjab National Bank account is held. Make sure it is the exact branch — not just any Punjab National Bank branch in Ludhiana.
• Step 3 — Copy the IFSC code: The result page shows the 11-character IFSC code with a large Copy button, displayed in monospace font for easy reading. It also shows the MICR code, BSR code, full address, and phone number for the same branch.

If you are not sure which branch your account belongs to, check the first page of your Punjab National Bank passbook, your internet banking account summary, or the account details section of your Punjab National Bank mobile banking app. The IFSC code shown there will match the one on BankZop for the same branch.

What is the IFSC Code for Punjab National Bank in Ludhiana?

Every Punjab National Bank branch in Ludhiana has an 11-character IFSC code structured as follows:

• Characters 1–4 (Bank Code): All Punjab National Bank branches — in Ludhiana and across India — share the same 4-letter bank code prefix assigned by the RBI. This uniquely identifies Punjab National Bank within the entire NEFT/RTGS network.
• Character 5 (Reserved Zero): Always the digit 0, never the letter O. Reserved by the RBI for future use. All 110 Punjab National Bank Ludhiana branches share this character.
• Characters 6–11 (Branch Code): These 6 alphanumeric characters are unique to each branch. This is what differentiates the 110 Punjab National Bank branches in Ludhiana from each other. Even two branches on the same street will have different branch codes.

This means you can quickly validate any Punjab National Bank IFSC code by checking that the first 4 characters match the bank's code and the 5th character is 0. If either check fails, the code is invalid.

When You Need the Punjab National Bank Ludhiana IFSC Code

Sending NEFT or RTGS Transfers to Punjab National Bank Accounts in Ludhiana

When someone needs to transfer money to your Punjab National Bank account in Ludhiana via NEFT or RTGS, they need your account number and your branch's IFSC code. NEFT settles in half-hourly batches (available 24×7), while RTGS settles in real time for amounts above ₹2 lakh. Both are operated by the RBI and require the exact 11-character IFSC code of your specific Punjab National Bank branch in Ludhiana. A single wrong character causes the transfer to fail.

IMPS Transfers to Ludhiana Branches

IMPS, operated by NPCI, enables instant 24×7 transfers to Punjab National Bank accounts in Ludhiana — including weekends and public holidays. Transfers using IFSC + account number are the most common method for IMPS. The IFSC code of the receiving Punjab National Bank branch in Ludhiana is required to route the payment correctly.

UPI Account Registration

When you add your Punjab National Bank Ludhiana account to a UPI app — PhonePe, Google Pay, BHIM, Paytm — the app requires your IFSC code to validate and link your bank account. Once your account is linked, daily UPI transactions use your VPA and you don't need to re-enter the IFSC.

Net Banking Beneficiary Registration

Adding a Punjab National Bank Ludhiana branch account as a beneficiary in any bank's net banking portal requires the account number and IFSC code of the specific branch. Most banks impose a 30-minute to 24-hour cooling period for new beneficiaries before allowing large transfers. Always verify the IFSC code on BankZop before registering a new beneficiary to avoid delays.

Punjab National Bank IFSC vs MICR vs BSR in Ludhiana — Which Code to Use

About Punjab National Bank Branches in Ludhiana, Punjab

Punjab National Bank has been serving customers in Ludhiana with a network of 110 branches offering full banking services — savings accounts, current accounts, loans, fixed deposits, and digital banking. All 110 IFSC-enabled branches participate in the RBI's NEFT and RTGS settlement networks, ensuring electronic transfers to and from these branches are processed reliably and securely.

To browse Punjab National Bank branches in other cities in Punjab, visit the Punjab National Bank Punjab directory. For all Punjab National Bank branches nationwide, see the Punjab National Bank IFSC code directory. For cheque clearing and NACH codes, use the Punjab National Bank Ludhiana MICR directory. For loan EMI planning, use the free EMI Calculator.