How many Punjab National Bank branches are in Kerala?

Punjab National Bank has 241 branches across 159 cities in Kerala, 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 Kerala?

To find your Punjab National Bank MICR code in Kerala: (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 Kerala?

The Punjab National Bank MICR code in Kerala 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 Kerala are processed using MICR

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

No. Every Punjab National Bank branch in Kerala 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 Kerala branch fail?

NACH and ECS mandates using a Punjab National Bank Kerala 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 Kerala branches clear through CTS?

Cheques drawn on Punjab National Bank branches in Kerala 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 159 cities where Punjab National Bank operates in Kerala. High-value cheques above ₹50,000 may occasionally take T+2 days.

Can I use any Punjab National Bank Kerala 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 Kerala. 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 Kerala?

You can verify your Punjab National Bank branch MICR code in Kerala 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 Kerala — Branch Codes for ECS, NACH &

Punjab National Bank MICR Codes in Kerala — Complete City Directory

Punjab National Bank operates 241 branches across 159 cities in Kerala, 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 Kerala 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 Kerala.

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 Kerala 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 Kerala

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 Kerala 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 Kerala Has a Different MICR Code

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

Digits 1–3 (City Code): Identifies the CTS clearing zone within Kerala. Each major city in Kerala 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 Kerala 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 Kerala to the correct clearing house, bank, and branch — without any manual intervention.

When You Need the Punjab National Bank Kerala MICR Code

SIP and Mutual Fund Registrations

If you hold a Punjab National Bank savings account in Kerala 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 Kerala 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 Kerala. 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 Kerala 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 Kerala carry the branch's MICR code at the bottom. When these cheques are deposited by the payee, the CTS system in Kerala 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 Kerala with Punjab National Bank Branches

Punjab National Bank has a presence in 159 cities across Kerala with MICR-enabled branches:

Aikkaranadu South, Kunnathunadu Taluk 1 Alappuzha 1 Alapuzha 1 Allepy 1 Badagara Calicut 1 Bank Road Calicut 1 Beach Road Chavakad 1 Boc Road 1 Bus Station, Mavelikara P O, Kerala State 1 Calicut 6 Cannanore 1 Cannur 1 Chalakudy 1 Chaliyam Po,Kozhikode 1 Chamakkada, Kollam 1 Chambakassery Jn,Palkulangara 1 Chandranagar 1 Changanacherry, Kerala 1 Cherthala 1 Chndroor, Aroor 1 Court Road, Manjeri,Malappuram 1 Court Road, Palakkad 1 Court Road,Palakkad 1 Desa Mangalam Trissur 1 Distt Kozhikode 1 Distt Palakhad 1 Distt Palakkad 2 Distt Tirchur 1 Disttkottayam 1 Eastern Side Of Nh, Oachira 1 Edappal, Distt Mallapuram 1 Edathara, Palakkad 1 Elamakkara 1 Eranhipalam, Calicut 1 Erattupetta 1 Ernakulam 21 Ernakulam South 1 Francis Road Junction 1 Govindapuram,Calicut 1 Guruvayur, Trichur 1 Haripad 1 High Range Junction, Kothamangalam 1 Idukki 1 Iritty 1 Kadambazhipuram 1 Kalikavu,Malappuram 1 Kalpetta,Wayanad 1 Kanjirappally 1 Kannur 3 Kannur Road, Kuthuparamba Kannur Distt 1 Karunagappally Kerala 1 Karupadanna 1 Kasag 1 Kasaragod 1 Kasargode 1 Kavasseri,Palakkad 1 Keecheripadi, Bye Pass Road,Muvattupuzha 1 Kerala 2 Kerala State 1 Kerela 1 Kerlala 1 Kilimanoor 1 Kochi 1 Kochukavala Rd,Vaikom,Kottayam 1 Kollam 4 Koothattukulam 1 Kottacherry Main Road, Kanhangad 1 Kottakkkal,Malappuram 1 Kottayam 6 Kottiyam 1 Koyilandy 1 Kozhencherry Distt Pathanamthitta 1 Kozhikode 5 Kunnamangalam 1 Kuttiadi 1 Logans Road, Thalassery 1 Main Road Kothanalloor 1 Main Road Vengara 1 Maladi 1 Malappuram 4 Malapuram 3 Mankave 1 Market Road, Ernakulam 1 Mavoor 1 Mc Road Tiruvilla Kerala 1 Mc Road, Chengannur A 1 Medcoll Junction,Calicut 1 Meppadi 1 Mini Bye Pass Road, Govindpuram 1 Mini Bye Pass Road, Govindpuram Calicut 1 Mukkam 1 Mundur 1 N H Bye Pass, Vennala, Kochi 1 Nadakave 1 Nadapuram,Kozhikkode 1 Near Collectorate, Pathanamthitta 1 Near Meenchandra Bus Stop, Calicut 1 Nh Road, Kanjikode West 1 Nh, Angamaly 1 Nilambur,Malappuram 1 North Parur, Ernakulam 1 Opp Police Station, Main Road 1 Ottapalam 1 Palace Road,Aluva 1 Palace Road,Trichur 1 Palakkad 12 Pallikkara 1 Pallippuram, Pattambi, Palakkad 1 Pannagattri, Palakkad 1 Parappanangadi, Kerala 1 Parumala Junction, Mannar 1 Pathanamthitta 3 Pazhayannur Thrissur 1 Perinthalmanna 1 Perumbavoor, Ernakulam 1 Piravom Ernakulam 1 Pm Arcade Malapuram 1 Po Kaloor, Distt Ernakulam 1 Po Kumaranellur Ottupara 1 Po Perambra 1 Po Peringode, Palakkad 1 Pollachi Road, Kollengode 1 Ponnani, Malapuram 1 Poovathoor 1 Pudukad, Thrissur 1 Pulamon Po Kottarakara 1 Puthupally Lane, Medical College 1 Sahodaran Ayyappan Road,Vytila 1 Shoranur 1 Sulthan Bathery 1 Sushil Towers, First Floor, Bank Road, Kannur 1 T K Road, Dist Pathanamthitta 1 Taliparamba 1 Thana,Irinjalakkuda 1 Thiruvananthapuram 4 Thiruvananthapuram Kerla 1 Thodupuzha 1 Thrikkanapuram Kerala 1 Thrissur 8 Tirur 1 Tirur Road, Kuttipuram 1 Tiruvananthapuram 2 Trichur 3 Trichur Dist 1 Trichykerala 1 Tripunithura 1 Trissur 1 Trissur Dist 1 Trivandrum 11 Trivandrum Kerala 1 Uppalam Road 1 Vaikkom Muhammad Basheer, Calicut Sm Street 1 Varkala Kollam 1 Velimikku 1 Via Koduvayoor, Kakkayur,Palakkad 1 Vizhinjam Street, Vizhinjam 1 Wandoor 1 Wayanad 1 Wynad Dist, Mananthavady 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 Kerala — All Cities