Punjab National Bank MICR Codes in Punjab — All Cities
Punjab National Bank has 1,223 branches across 319 cities in Punjab. Select your city to find the 9-digit MICR code for your branch — needed for ECS mandates, SIP registrations, and NACH forms.
Punjab National Bank in Punjab — Select City
319 cities
- Abohar
- Abohar Punjab
- Abohar, Distfazilka, Pub
- Adampur
- Adda Bham Distt Gurdaspur
- Adda Kot Fatuhi Distt Hoshiarpur Punjab
- Adda Mathola, Distt Gurdaspur
- Addacholang Distt Hoshiarpur
- Adjacent To West End Mall
- Ahmedgarh Mandi
- Ajnala
- Alawalpur Distt Jalandhar
- Ambala
- Amritsar
- Amritsar Pb
- Apra, Distt Jalandhar
- Atta Goraya
- Attari Punjab
- Badali Ala Singh Punjab
- Bahadurgarh
- Bamial Distt Gurdaspur
- Banga
- Barnala
- Bassi Pathana
- Basti Nau, Jalandhar
- Batala
- Batala Dist Gurdaspur Pub
- Batala Distt Gurdaspur
- Bathinda
- Bathinda - Punjab
- Bathinda, Pub
- Behind Verka Milk Plant, Jalandhar
- Benjamin Road
- Bhai Randhir Singh Nagar
- Bhandel Bet, Distt Kapurthala
- Bhatinda
- Bhatoya Distt Gurdaspur
- Bhiwani
- Bija
- Binpalke Bhogpurpunjab
- Block Sanaur, Tehsil Patiala
- Butter Ferozepur
- Cantt Pb
- Chabhal
- Chandigarh
- Chandigarh Road Pb
- Cheema Chowk, Ludhiana
- Chhehrta,Distt Amritsar
- Choti Bardari Part Ii Jalandhar
- City For Upload
- Civil Lines
- Civil Lines Ludhiana
- Club Chowk
- Daburji, District Ropar, Po Lodhi Majra
- Dappar Patiala
- Dera Bassi
- Dhaliwalbet, Distt Kapurthala
- Dhilwan Punjab
- Dinanagar, Distt Gurdaspur
- Dist Ferozepur, Punjab
- Dist Gurdaspur Punjab
- Dist Gurudaspur, Punjab
- Dist Gurudaspur,Punjab
- Dist Hoshiarpur Punjab
- Dist Jalandhar
- Dist Kapurthala, Punjab
- Dist Mohali
- Dist Nawanshahr Punjab
- Dist Taran Taran Punjab
- Dist- Ropar Near
- District Administrative Complex
- District Fatehgarh Sahib
- Distt
- Distt - Patiala
- Distt Amristar Punjab
- Distt Amritsar
- Distt Amrtisar
- Distt Barnala
- Distt Bhatinda
- Distt Faridkot
- Distt Ferozepu
- Distt Ferozepur
- Distt Ferozepur Punjab
- Distt Ferozpur
- Distt Gurdaspur
- Distt Gurdaspur Pb
- Distt Gurdaspur Punjab
- Distt Gurdaspur, Punjab
- Distt Hisiarpur
- Distt Hoshiarpur
- Distt Hoshiarpur Punjab
- Distt Hoshiarpur, Punjab
- Distt Hosiarpur Punjab
- Distt Jalandhar
- Distt Jalandhar Punjab
- Distt Jalandhar, Punjab
- Distt Kapurthala
- Distt Kapurthala, Punjab
- Distt Ludhiana
- Distt Ludhiana Punjab
- Distt Ludhinana
- Distt Mansa
- Distt Moga
- Distt Mohali Punjab
- Distt Mukatsar
- Distt Muktsar
- Distt Nawanshahar Punjab
- Distt Patiala
- Distt Patiala Pb
- Distt Ropar
- Distt Sangrur
- Distt Sangrur Pb
- Distt Sas Nagar
- Distt Shaheed Bhagat Singh Nagar
- Distt Tarn Taran
- Distt Tarn Taran Punjab
- Distt- Amritsar
- Distt- Gurdaspur
- Distt- Kapurthala
- Distt- Ludhiana
- Distt- Sas Nagar
- Disttbarnala
- Disttferozepur
- Disttferozepur, Punjab
- Distthoshiarpur Punjab
- Disttkapurthala Pub
- Disttludhiana
- Disttmoga
- Disttmohali
- Disttmukatsar
- Dorangla Distt Gurdaspur
- Dt Kapurthala, Punjab
- Faridkot
- Faridkot City
- Fatehabad Distt Tarn Taran
- Fatehgarh Sahib
- Fazilka
- Fazilka Main
- Ferozepur
- Ferozepur City
- Ferozepur Road
- Ferozpur
- Firozpur
- G T Road, Jalandhar
- Gakhal Jalandhar
- Ghoman Distt Gurdaspur
- Goindwal Distt Tarn Taran
- Gole Diggi Bathinda
- Gondpurbhunga Distt Hoshiarpur
- Goniana Road, Bathinda
- Gt Road, Phagwara
- Gurdaspur
- Hansli Bazar, Amritsar
- Harial Distt Gurdaspur
- Hazipur Punjab
- Heran Distt - Jalandhar
- Hoshiarpur
- Hosiarpur
- Hosiarpur Road, Phagwara Pb
- Hospital,Beas Pb
- Industrial Area A, Near Manju Theatre
- Inside Sheranwala Gate
- Jabalpur
- Jagraon
- Jalalabad West
- Jalan
- Jalandhar
- Jalandhar Cantt
- Jalandhar City
- Jalandhar Pb
- Jalandhar Punjab
- Jallianwala Bagh, Amritsar Punjab
- Jamalpur Road, Ludhiana
- Jamarai
- Jandiala Manjki Distt Jalandhar
- Jawaddi, Ludhiana
- Kaleke Distt Amritsar
- Kallah Amritsar
- Kapurthala
- Kapurthala Punjab
- Kapurthala,Punjab
- Kartarpur Punjab North
- Khanna Ludhiana
- Khanna Pb
- Kot Ise Khan, Distt Moga
- Kotkapura
- Kotkapura, Distt Faridkot
- Lalru Patiala
- Lic Building
- Lohian Khas
- Longowal
- Ludhi
- Ludhiana
- Ludhiana Cgandigarh Road
- Ludhiana City, Punjab
- Ludhiana Punjab
- Ludhiana West
- Ludhiana, Punjab
- Ludiana
- Mahil Gelan Distt Nawanshahar
- Main Bazar
- Main Branch
- Main Rddisttbhatindapunjab
- Makhu
- Maksudpur, Distt Kapurthala
- Malerkotla
- Malkana
- Mallan Wala
- Malout
- Malout, Dist Ferozepur Punjab
- Malout, Punjab
- Malsian Jalandhar
- Mamoon Cantt
- Mandi Mullanpur
- Mansa
- Maur Mandi
- Mehatpur
- Moga
- Mohali
- Mohali Punjab
- Mohali, Punjab
- Moonak
- Morinda
- Mubarikpur
- Mudki,Disttferozpurpunjab
- Mukandpurpunjab
- Muktsar
- Muktsar Punjab
- Muktsar Road, Deon Dist Bathinda
- Muktsar,Kotkapur,Rd
- Mullanpur
- Nabha
- Nakodar
- Nandpur Kalaur Punjab
- Nangli Punjab
- Narot Jaimal Singh, Dt Gurdaspur
- Naushehra Pannuan Distt Tarn Taran
- Nawanshar Punjab
- Near
- Near Bus Stand, Jalandhar
- Near Cheema Chowk,Ludhiana
- Near Dav College Road Bhatinda
- Near Railway Phatak
- Near Sunil Theatre, Punjab
- Ng, Dhakoli
- Opp Chaudhary Marbels, Distt - Sangrur
- Opp Cycle Market
- Opp Modern Public School,Guru Har Sahai
- Opposit Post Office, Qadian
- Outside Makhu Gate, Firozpur City
- Pakhowal Road, Ludhiana Punjab
- Pathankot
- Pathankot Pb
- Pathankot, Mohan Market
- Patiala
- Patti
- Pb
- Phagwara
- Pharala Distnawanshahr Punjab
- Phillaur
- Po Chheharta, Amritsar
- Po Fazilka
- Pubjab
- Pune
- Punjab
- Punjab South
- Rahon Road, Ludhiana
- Rahon, Distt Nawanshaher Pb
- Rajpura
- Rampura Phul
- Rani Majra
- Rayya
- Road ,Hoshiarpur
- Road Hoshiarpur
- Ropar
- Rupnagar
- Saharsa Bihar
- Sahib, Chamkaur Sahib, Disttropar
- Sahibzada Ajit Singh Nagar
- Sahnewal
- Sailba Majri
- Sanghera, Punjab
- Sangrur
- Sardulgarh Distt Bhatinda
- Sarhali Kalan Mohanpura
- Sarih,Punjab
- Shah Kot
- Shahid Bhagat Singh Nagar
- Shahpur Kandi Distt Gurdaspur
- Shahpur, Distt Jalandhar
- Sirhind, Distt Fatehgarh Sahib
- State Punjab
- Symble Chowk, Batala
- Tahsil- Jaito, Distt Faridkot
- Talwandi Bhai, Teh Distt Firozpur
- Talwandi Chaudhrian
- Talwandi Sabo Punjab
- Tarn Taran
- Tarntaran Distt Amritsar
- Tarntaran Road Amritsar
- Tarsika
- Teh Baba Bakala
- Teh Jalalabad W, Dist Ferozepur
- Teh Lehra Gaga Distt Sangrur
- Teh Phagwara, Kapurthala
- Tehanadpursahib,Distrupnagar
- Tehsil Mokerian, Distt Hoshiarpur
- Tehsil Mukerian Distt Hoshiyarpur
- Tehsil Mukerian, Distt Hoshiarpur
- Tira
- Uggi, Distt Jalandhar
- V Po Jandu Singha
- Vachhoya
- Vill And Po Ghanour
- Vill Po Lopon Distt Moga
- Vill Po Manuke Distt Moga
- Vill Po Raoke Kalan Distt Moga
- Vill Thata, Dist Tarn Taran Punjab
- Waraich
Punjab National Bank MICR Codes in Punjab — Complete City Directory
Punjab National Bank operates 1,223 branches across 319 cities in Punjab, 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 Punjab 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 Punjab.
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 Punjab 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 Punjab
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 Punjab 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 Punjab Has a Different MICR Code
Every Punjab National Bank branch in Punjab has a unique 9-digit MICR code structured as follows:
- Digits 1–3 (City Code): Identifies the CTS clearing zone within Punjab. Each major city in Punjab 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 Punjab 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 Punjab to the correct clearing house, bank, and branch — without any manual intervention.
When You Need the Punjab National Bank Punjab MICR Code
SIP and Mutual Fund Registrations
If you hold a Punjab National Bank savings account in Punjab 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 Punjab 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 Punjab. 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 Punjab 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 Punjab carry the branch's MICR code at the bottom. When these cheques are deposited by the payee, the CTS system in Punjab 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 Punjab with Punjab National Bank Branches
Punjab National Bank has a presence in 319 cities across Punjab with MICR-enabled branches:
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.
Data sourced from RBI CTS records. Last reviewed Jun 2026 by BankZop Editorial Team.
Frequently Asked Questions — Punjab National Bank MICR Codes in Punjab
- SIP registrations — NACH mandate forms for mutual fund SIPs
- ECS mandates — auto-debit for insurance, utilities, and bills
- Loan EMI auto-debit — NACH mandate for home, personal, and car loans
- Cheque clearing — all Punjab National Bank cheques in Punjab are processed using MICR