How many Punjab National Bank branches are in Himachal Pradesh?

Punjab National Bank has 423 branches across 215 cities in Himachal Pradesh, all registered on the RBI's Cheque Truncation System (CTS) grid. Each branch has a unique 9-digit MICR code. Use the city list above to find your specific branch.

How do I find the MICR code for my Punjab National Bank branch in Himachal Pradesh?

To find your Punjab National Bank MICR code in Himachal Pradesh: (1) Select your city from the list above, (2) Click your branch name, (3) The 9-digit MICR code is displayed on the result page with a one-click Copy button. You can also check the bottom of any Punjab National Bank cheque — the MICR code is the 9-digit number printed in magnetic ink between the cheque number and account number.

What is the MICR code used for at Punjab National Bank branches in Himachal Pradesh?

The Punjab National Bank MICR code in Himachal Pradesh is required for: SIP registrations — NACH mandate forms for mutual fund SIPsECS mandates — auto-debit for insurance, utilities, and billsLoan EMI auto-debit — NACH mandate for home, personal, and car loansCheque clearing — all Punjab National Bank cheques in Himachal Pradesh are processed using MICR

Is the MICR code the same for all Punjab National Bank branches in Himachal Pradesh?

No. Every Punjab National Bank branch in Himachal Pradesh has a unique 9-digit MICR code. The first 3 digits identify the city clearing zone, the middle 3 identify the bank, and the last 3 identify the specific branch. Two branches in the same city share the first 6 digits but have different last 3 digits.

Why would a NACH or ECS mandate from a Punjab National Bank Himachal Pradesh branch fail?

NACH and ECS mandates using a Punjab National Bank Himachal Pradesh MICR code can fail for several reasons: (1) Incorrect MICR code — using a code from a different Punjab National Bank branch or another bank entirely. (2) Account number mismatch — the account number on the mandate does not match the bank's records for that branch. (3) Mandate not yet activated — paper NACH mandates take 20–30 days to process; a debit attempted before activation will be rejected. (4) Insufficient balance on the scheduled debit date. (5) Account frozen, dormant, or closed. If rejected, the lender or fund house receives a return code and will contact you to resubmit with the correct MICR details.

How quickly do cheques from Punjab National Bank Himachal Pradesh branches clear through CTS?

Cheques drawn on Punjab National Bank branches in Himachal Pradesh clear in T+1 working days through the RBI's Cheque Truncation System (CTS). A cheque deposited on Monday is credited to the payee by Tuesday; one deposited Friday clears the following Monday. The CTS operates on scanned cheque images — no physical paper moves between banks after the initial deposit — which enables one-day clearing across all 215 cities where Punjab National Bank operates in Himachal Pradesh. High-value cheques above ₹50,000 may occasionally take T+2 days.

Can I use any Punjab National Bank Himachal Pradesh branch MICR code for my SIP?

No. You must use the MICR code of the specific Punjab National Bank branch where your account is held — not just any branch in Himachal Pradesh. Using a different branch's MICR code on a NACH mandate will cause rejection. Navigate to your exact branch using the city list above.

How do I verify my Punjab National Bank MICR code in Himachal Pradesh?

You can verify your Punjab National Bank branch MICR code in Himachal Pradesh three ways: (1) Use BankZop — navigate State → City → Branch for the official RBI-sourced code. (2) Check the bottom of your Punjab National Bank cheque leaf — the 9-digit magnetic ink number is your MICR code. (3) Log into Punjab National Bank internet banking and check Account Details. Data on BankZop is sourced from RBI CTS records.

Punjab National Bank MICR Code Himachal Pradesh — Branch Codes for

Punjab National Bank MICR Codes in Himachal Pradesh — Complete City Directory

Punjab National Bank operates 423 branches across 215 cities in Himachal Pradesh, all registered on the Reserve Bank of India's Cheque Truncation System (CTS) grid. Every branch has a unique 9-digit MICR code — a mandatory identifier for cheque clearing, ECS mandates, SIP registrations, and NACH auto-debits. BankZop's Punjab National Bank Himachal Pradesh MICR directory is sourced directly from official RBI CTS data and updated regularly, making it the most reliable source for accurate branch MICR codes in Himachal Pradesh.

Whether you are setting up a mutual fund SIP, registering an ECS mandate for insurance, or submitting a NACH form for loan EMI collection, you need the exact MICR code of the Punjab National Bank branch in Himachal Pradesh where your account is held. Use the city list above to navigate directly to your branch.

How to Find Your Punjab National Bank MICR Code in Himachal Pradesh

Finding the right MICR code takes under 30 seconds on BankZop. Here is the exact process:

Step 1 — Select City: You are already on the Himachal Pradesh page. Choose your city from the list above. Type in the search box to filter instantly if the list is long.
Step 2 — Select Branch: The city page lists all Punjab National Bank branches in that city. Click your specific branch — the one where your savings or current account is held.
Step 3 — Copy MICR Code: The branch result page shows the full 9-digit MICR code with a one-click Copy button. It also shows the IFSC code, BSR code, address, and phone number for the same branch.

If you already have your Punjab National Bank cheque book, the MICR code is printed at the bottom of every cheque leaf in magnetic ink — the 9-digit number between the cheque serial number and your account number. You can verify it matches our database by searching BankZop for your branch.

Why Each Punjab National Bank Branch in Himachal Pradesh Has a Different MICR Code

Every Punjab National Bank branch in Himachal Pradesh has a unique 9-digit MICR code structured as follows:

Digits 1–3 (City Code): Identifies the CTS clearing zone within Himachal Pradesh. Each major city in Himachal Pradesh has a distinct 3-digit city code assigned by the RBI. All Punjab National Bank branches in the same city share this prefix.
Digits 4–6 (Bank Code): Identifies Punjab National Bank within that city's clearing zone. This is the same for all Punjab National Bank branches in the same city.
Digits 7–9 (Branch Code): This is what makes each MICR code unique. The final 3 digits identify the specific Punjab National Bank branch. No two branches in Himachal Pradesh share the same complete 9-digit code.

This hierarchical structure enables the RBI's CTS clearing system to automatically route any Punjab National Bank cheque in Himachal Pradesh to the correct clearing house, bank, and branch — without any manual intervention.

When You Need the Punjab National Bank Himachal Pradesh MICR Code

SIP and Mutual Fund Registrations

If you hold a Punjab National Bank savings account in Himachal Pradesh and want to set up a Systematic Investment Plan (SIP), the NACH mandate form will ask for your branch's MICR code. This is how the fund house identifies your Punjab National Bank Himachal Pradesh branch to debit your SIP amount each month through the NPCI's NACH platform. Entering the wrong MICR code will result in a rejected mandate and delayed SIP setup.

ECS Mandates for Utilities and Insurance

ECS (Electronic Clearing Service) auto-debits for electricity bills, broadband payments, gas connections, and insurance premium renewals all require your Punjab National Bank branch MICR code in Himachal Pradesh. The ECS mandate form specifically asks for a 9-digit MICR code — not the IFSC code. The clearing system uses this to identify your branch and process the auto-debit on the due date.

Loan EMI Collection Mandates

Banks and NBFCs operating in Himachal Pradesh collect loan EMIs via NACH mandates. When you sign a NACH form for a home loan, personal loan, car loan, or two-wheeler loan, the lender's bank uses your Punjab National Bank branch MICR code to set up the recurring debit. An incorrect MICR code causes the mandate to fail, resulting in a missed EMI and possible late payment penalties.

Post-Dated Cheques and Cheque Clearing

All cheques issued by Punjab National Bank branches in Himachal Pradesh carry the branch's MICR code at the bottom. When these cheques are deposited by the payee, the CTS system in Himachal Pradesh reads the MICR code to route the clearing request electronically. The entire process — from deposit to settlement — happens within one business day, thanks to the MICR-based CTS infrastructure.

Cities in Himachal Pradesh with Punjab National Bank Branches

Punjab National Bank has a presence in 215 cities across Himachal Pradesh with MICR-enabled branches:

Adhe Di Hatti 1 Amb 1 Amroha 1 Ani Hp 1 Baddi 1 Baddi,Distsolan,Himachal 1 Baijnath 1 Bakloh Cantt Hp 1 Balag Distt Shimla 1 Balakrupi, Dist Kangra, Hp 1 Balugaloa Distt Kangra 1 Bangana Distt Una, Hp 1 Bankhandi Distt Kangra 1 Baragaon, Distt Shimla 1 Bhareri Hamirpur 1 Bharmour Hp 1 Bharwain Distt Una H P 1 Bhumpal Distt Hamirpur Hp 1 Bhuntardistt, Kullu Hp 1 Bilaspur 9 Bilaspur Hp 1 Bo Rajhoon, Sub Teh - Dheera, Dist - Kangra 1 Branch Office Sanoli Dist Una Hp 1 Cart Road, Shimla Hp 2 Chabutra 1 Chamba 3 Chambi,District Una Hp 1 Chandigarh 1 Chanmba 1 Chauntra 1 Chhattroli 2 Chowki Maniar Distt Una 1 Dabhota 1 Dadahu 1 Dadasibahp 1 Dagshai 1 Dalhousie 2 Darini, Distt Kangra, Hp 1 Daroh Dist Kangra Hp 1 Daulatpur Una Hp 1 Deegal Hp 1 Dehra 1 Dehradun 1 Dera Baba Rudra Nand 1 Dera Parol 1 Dhameta, Dist Kangra Hp 1 Dhaned, Distt Hamirpur 1 Dharamshala 8 Dharoon, Dt Kangra, Hp 1 Distt Bilaspur 1 Distt Bilaspur Hp 3 Distt Hamir Pur Hp 1 Distt Hamirpur 3 Distt Kullu Himachal Pradesh 2 Distt Mandi 5 Distt Mandi Himachal Pradesh 2 Distt Mandi Hp 6 Distt Shimla 1 Distt Solan Himachal Pardesh 1 Distt Una 2 Distt Una Hp 2 Doh, Distt Hamirpur, Hp 1 Gaggal Distt Kangra 1 Gagret 1 Gagwan, Distt Kangra 1 Gahli, Dt Hamirpur 1 Galore Distt Hamirpur Hp 1 Ganoh, Dt Kangra, Hp 1 Garhjamula Hp 1 Garli 1 Ghallour, Distt Kangra Hp 1 Ghanari 1 Ghumarwin, Distt Bilaspur Hp 1 Hamirpur 13 Hampu 1 Haripur Distt Kangra 1 Harlog 1 Haroli, Dist Una Hp 1 Harsaur, Dt Hamirpur 1 Hatwarhp 1 Himachal Pradesh 21 Himachal Preadesh 1 Holi Distt Chamba, Hp 1 Hp 18 Indora, Distt, Kangra 1 Jagjit Nagar 1 Jahu Distt Hamirpur 1 Jaisingh Pur Hp 1 Jangal Beri 1 Janjheli 1 Jaure Amb, Distt Hamirpur 1 Jawalamukhi, Teh Dehra Disttkangra Hp 1 Joginder Nagar 1 Jowar Distt Una 1 Kala Amb 1 Kaloha 1 Kalpa, Distt Kinnaur Hp 1 Kamand Mandi 1 Kandwarihp 1 Kangra 18 Kangra Himachal Pradesh 2 Karchham Hp 1 Karsog- Mandihp 1 Karur Gauna 1 Kasbati Bhunjraru Dt Chamba 1 Kathog 1 Kaula Wala Bhood Distt Sirmour 1 Keylong Hp 1 Khanyara Hp 1 Kharwar Distt Hamirpur 1 Khurwain Distt Una 1 Kinnaur 2 Kot Distt Hamirpur 1 Kotbejahp 1 Kotlu, Distt Mandi 1 Kullu 4 Kullu Distt Kullu Hp 1 Kulu 1 Kumarsain 1 Kungrat 1 Ladraur 1 Lahul And Spiti 1 Lambloo, Distt Hamirpur 1 Left Bank, Aleu, New Manali, Distt - Kullu 1 Lubh Distt Kangra 1 Madhauni,Distt Shimla Hp 1 Mahakal Distt Kangra Hp 1 Mair, Distt Hamirpur 1 Manali, Distt Kullu 1 Mandi 18 Mandi Himachal Pradesh 3 Maranda Himachal Pradesh 1 Masroor 1 Mauhri, Distt Shimla 1 Mehatpur 1 Mehre 1 Mehri Kaithla Distt Bilaspur 1 Metherhp 1 Multhan Distt Kangra 1 Naggar Distt Kulu 1 Nagrota Bhagwa Himachal Pradesh 1 Nagrota Jammu 1 Nagrota Surian Teh Jawali Distt Kangre 1 Nahan District Sirmaur 1 Nahlian, Distt, Kangra 1 Nalagarhdistt Solan 1 Nalti, Distt Hamirpur 1 Nangran Distt Una 1 Neerath Distt Shimla 1 Nigulsari Hp 1 Nirmand Distt Kullu 1 Nurpur, Kangra, Himachal Pradesh 1 Palamu 2 Palchan 1 Panchrukhi, Distt Kangra 1 Pandoga Distt Una 1 Pandoh Hp 1 Panesh, Distt Simla Hp 1 Panjawar 1 Paonta Sahib, Dist Sirmour 1 Paprola Distt Kangra, Hp 1 Parwanoo 1 Pathankot 1 Patta Mehlog Hp 1 Peo 1 Piplughat 1 Post Kotla, Tehsil Jwali 1 Post Office Banikhet Tehsil Dalhousie 1 Pragpur 1 Purba Distt Kangra 1 Raipur 1 Raipur Hp 1 Rait Distt Kangra 1 Raja Ka Talab 1 Rampur 1 Rehan 1 Rohru Hp 1 Salauni Himachal Pradesh 1 Samloti, Distt Kangra Hp 1 Santokgarh Distt Una Hp 1 Sarkaghat 1 Shahpur Distt Kangra 1 Shimla 31 Shimla Anaj Mandi Hp 1 Shimla Himachal Pradesh 1 Sidhpur Distt Kangra 1 Simla 10 Sirmaur 7 Sirmour 3 Solan 24 Subathu 1 Sujanpur Tira 1 Sultanpur 1 Sultanpur, Tehsil Chamba 1 Sunder Nagar 1 Sunhi, Distt Kangra 1 Suni, Distt Shimla 1 Tahliwala Distt Una Hp 1 Tal Distt Hamirpur 1 Talyana Distt Bilaspur 1 Tauni Devi Distt Hamirpur 1 Tehasil Arki Distt Solanhp 1 Tehsilautdisttmandihp 1 Thanakalan Distt Una 1 Thanedar- Shimla 1 Thill, Distt Kangra, Hp 1 Throach Distt Shimla 1 Thural Distt Kangra 1 Tihra 1 Tissa Hp 1 Totushimla 1 Una 11 Vpo Peo, Distt Kannaur Hp 1 Waknaghat, Solan Hp 1 Yol Canttdistt Kangra 1

Branch counts reflect MICR-enabled branches on the RBI CTS grid as of Jun 2026. Data sourced from RBI CTS records.

To browse Punjab National Bank branches in other states, visit the Punjab National Bank MICR directory. For all bank MICR codes, use the MICR Code Lookup homepage. For loan planning, try the free EMI Calculator.

Punjab National Bank MICR Codes in Himachal Pradesh — All Cities