How many Punjab National Bank branches are in Maharashtra?

Punjab National Bank has 563 branches across 189 cities in Maharashtra, 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 Maharashtra?

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

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

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

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

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

Cheques drawn on Punjab National Bank branches in Maharashtra 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 189 cities where Punjab National Bank operates in Maharashtra. High-value cheques above ₹50,000 may occasionally take T+2 days.

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

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

Punjab National Bank MICR Codes in Maharashtra — Complete City Directory

Punjab National Bank operates 563 branches across 189 cities in Maharashtra, 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 Maharashtra 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 Maharashtra.

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 Maharashtra 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 Maharashtra

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 Maharashtra 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 Maharashtra Has a Different MICR Code

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

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

When You Need the Punjab National Bank Maharashtra MICR Code

SIP and Mutual Fund Registrations

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

Punjab National Bank has a presence in 189 cities across Maharashtra with MICR-enabled branches:

Achalpur Camp - Amravati 1 Adalat Road,Aurnangabad 1 Ahmadnagar 6 Ahmednagar 2 Akola 4 Amalner Disttjalgaon 1 Amaravati 1 Amravati 3 Andheri East 1 Annexe Subash Road Vishnu Nagar 1 Aurangabad 9 Aurangabad Maharashtra 1 Bandra Kurla Complex, Bandra East 1 Bandra West, Mumbai 1 Belgrami Road, Kurla W 1 Bhandara 1 Bhandara, Maharastra 1 Bhandup East 1 Bhawani Peth 1 Bhopal 1 Bhusawal 1 Buldana 1 Buldhana 2 Camp 1 Chandrapur 4 Chembur Camp Mumbai 1 Chembur, Mumbai 1 Chikhli Road ,Tehsil Chowk 1 Cineraj Cinema New Panveleast 1 City For Upload 1 College, Midc, Dombivlieast,Dist Thane 1 Cuffe Parade 1 Dapodi 1 Daund 1 Desh Sewa Road, Hinganghatwardha 1 Dharampeth 1 Dhule- Maharastra 1 Dhule, 1 Dist Aurangabad 1 Dist Gondia 1 Dist Nagpur Ms 1 Dist Pune 1 District Thana 1 Distt Ahmednagar 1 Distt Ahmednagar Maharashtra 1 Distt Nagpur, Maharashtra 1 Distt Pune Mh 1 Distt Thane 1 Distt Thane Mh 1 Distt Wardha 1 Distt- Chandrapurms 1 Disttbuldhana 1 Dr Ambedkar Road 1 Fort 1 Fort, Mumbai 1 Gadchiroli 1 Gangapur 1 Ganjawala Lane 1 Ghani Abdul Gaffar Khan Rd Worli Sea Face 1 Ghatkopar East, Mumbai 1 Ghodbunder Road 1 Gondia 1 Gondia,Mh 1 Greater Bombay 40 Hadapsar 1 Hingoli 2 Hinjewadi Road, Taluka Mulshi, Distt Pune 1 Hissar 1 Ichalakaranji 1 Ideal Colony, Paud Road, Kothrud 1 In Front Of Lic Saoner 1 Indapur 1 Jalgaon 4 Jalna 1 Jalna Road Aurangabad 1 Jawahar Nagar, Goregaon West 1 Jaysingpur 1 Kagal 1 Kalbadevi Rd 1 Kalyan 1 Karad, Dist Satara 1 Khamla Nagpur 1 Khar West 1 Khopoli 1 Kolhapur 10 Kondhwa Maharastra 1 Kudal 1 Late Prenchand Natthu Mahajan Bhavan 1 Latur 3 Laxmi Sagar Apt, Near Commisioner Bungalow 1 Linking Road 1 Maharashtra 4 Maharastra 1 Malad West Mumbai 1 Mankapur Square 1 Manpada Junction, Ghodbunder Road 1 Marol Naka Marol Maroshi Road Andherieast 1 Maruti Mandir Distt Ratnagiri 1 Matunga, Mumbai 1 Mh 6 Mira Road, Disst Thane 1 Mulund West Mumbai 1 Mumba 1 Mumbai 75 Mumbai Suburban 37 Nagpur 47 Nana Peth Pune 1 Nanapeth 1 Nanded 2 Nandu 1 Nandurbar 2 Nariman Point Mumbai 1 Nashik 10 Nasik 12 Nasik City, Distt Nasik 1 Navi Mumbai 4 Navim 2 Near Bishops School East Evenue, Pune 1 Near Charni Rd East Station 1 Near Hero Showroom Barshi Road 1 Near Hotel Sarja Lane 1 Near Ibp Petro Pump Nagpur 1 Near Mulund Check Naka, Wagle Estate 1 Near New Mondha Anaj Mandi Hingoli 1 Near Rana Pratap Nagar Police Stataion Nagpur 1 Near Shoppers Stop 1 Near St Stand, New Shahupuri, Kolhapur 1 Nerulwest Navi Mumbai 1 Next Ton Cooton Exch Bldg 1 Nityasewa Hospital Jalna Road Beed 1 Opp Dandekar Ricc Mill, Bhiwandi Kalyan Road 1 Opp Pcmcoffice Finolex Chowk 1 Opp St Bus Depot, Satara 1 Parbhani 1 Parbhani Maharastra 1 Pashan 1 Peddar Road 1 Pen Raigad Maharashtra 1 Po Ahmednagar 1 Post Office,Mumbai 1 Prabhat Road Pune 1 Pump House, Andheri East 1 Pune 61 Pune City 1 Pusad, Yeotmal 1 Raigad 2 Raigarh 3 Raisen 1 Ratan Mansion 1 Ratnagiri 1 Road, Daulat Nagar, Borivli East 1 Sadasonai Building, Chakan, Taluka Khed, Dist 1 Sambha Nagar, Jalna 1 Sangli 3 Satara 2 Sawangi, Meghe Wardha 1 Sholapur 1 Sion Circle 1 Sir Pm Road, Fort, 1 Sir Pmroad, Fort 1 Solapur 6 Svroad,Malad West 1 Tahane W 1 Tal Jawhar Distt Thane 1 Talegaon Dabhade Mh 1 Taluq Umri Distt Nanded 1 Thana Maharashtra 1 Thane 34 Thane, Mumbai 1 Thane,Mumbai 1 Thite Nagar, Opp Hp Petrol Pump 1 Thne 1 Tq Dapoli Distt Ratnagiri 1 Tq Maval Distt Pune 1 Tq Peth Distt Nasik 1 Tq Surgana, Distt Nasik 1 Ulhasnagar - 4 1 Umred 2 Vasai Road, Vasaieast Distt Thane 1 Vileparle East 1 Viva College Road Virarwest 1 Walbhai Road Goregaon E 1 Wani 1 Wardh 1 Wardha 3 Warehouse , Wadi 1 Washim Maharastra 1 Yavatmal 1 Yeotmal Mh 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 Maharashtra — All Cities