SWIFT Code PUNBINBBDRK — PUNJAB NATIONAL BANK, LUDHIANA

About SWIFT Code PUNBINBBDRK — PUNJAB NATIONAL BANK, LUDHIANA

SWIFT code PUNBINBBDRK is the official 11-character branch-specific BIC (Bank Identifier Code) for PUNJAB NATIONAL BANK in LUDHIANA, India. Standardised under ISO 9362 and maintained by the Society for Worldwide Interbank Financial Telecommunication (SWIFT), this code is used exclusively for cross-border wire transfers and is recognised by financial institutions in over 200 countries.

This code must be provided to the sender when receiving money from abroad, and is required by PUNJAB NATIONAL BANK for all outward international remittances from LUDHIANA. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code PUNBINBBDRK

The code PUNBINBBDRK follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code PUNBINBBDRK

Receiving International Wire Transfers

To receive money from abroad at your PUNJAB NATIONAL BANK account in LUDHIANA, share SWIFT code PUNBINBBDRK with the sender along with your full account number, your name as on the account, and the branch address.

NRI Remittances

Non-Resident Indians sending money to NRO/NRE accounts at PUNJAB NATIONAL BANK, LUDHIANA must provide SWIFT code PUNBINBBDRK. Major remittance platforms — including Wise, Remitly, Western Union, and MoneyGram — use this code to route transfers accurately.

Trade Finance and Foreign Payments

Importers and exporters using PUNJAB NATIONAL BANK in LUDHIANA rely on SWIFT code PUNBINBBDRK for letters of credit, bank guarantees, and foreign currency settlements.

SWIFT Code vs IFSC vs MICR vs BSR — Key Differences

Need the IFSC code for domestic NEFT, RTGS, or UPI transfers? View the IFSC code for PUNJAB NATIONAL BANK →

For cheque clearing or NACH mandates, use the MICR code for PUNJAB NATIONAL BANK →

For TDS challan deposits, find the BSR code for PUNJAB NATIONAL BANK →

How SWIFT Code PUNBINBBDRK Routes an International Transfer

1. Initiation: The sender provides SWIFT code PUNBINBBDRK and account number to their bank.
2. Validation: The sending bank validates the BIC against the SWIFT registry.
3. Routing: An MT103 SWIFT message is transmitted through the network to PUNJAB NATIONAL BANK.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: PUNJAB NATIONAL BANK receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code PUNBINBBDRK

• Spaces or lowercase letters — Always enter PUNBINBBDRK uppercase with no spaces.
• Using the wrong city — This code is for LUDHIANA only.
• Truncating to 8 characters — When 11 characters are required, always use the full code.
• Using SWIFT for domestic transfers — Use the IFSC code for any transfer within India.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm PUNBINBBDRK directly with PUNJAB NATIONAL BANK's LUDHIANA branch or via the SWIFT BIC Directory.