Branch Details — PUNB0981200

Bank NamePunjab National Bank
Branch NameGhagwal
IFSC CodePUNB0981200
MICR Code180024044
Bank Code (RBI)PUNB
Branch Code981200
AddressPUNJAB NATIONAL BANK GHAGWAL DIST SAMBA JAMMU JAMMU AND KASHMIR 184141
CityJammu
DistrictSamba
StateJammu and Kashmir
Contact+919419535492
Toll Free1800-180-2222
NEFT✓ Enabled — 24×7
RTGS✓ Enabled — 24×7
IMPS✓ Enabled — 24×7
UPI✓ Enabled

Transfer Methods Using PUNB0981200

NEFT

Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC PUNB0981200.

RTGS

Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC PUNB0981200.

IMPS

Instant 24×7, 365 days. Up to ₹5 lakh per transaction.

Frequently Asked Questions

The IFSC code is PUNB0981200. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Punjab National Bank Ghagwal branch, Jammu, Jammu and Kashmir.
The MICR code is 180024044. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: PUNJAB NATIONAL BANK GHAGWAL DIST SAMBA JAMMU JAMMU AND KASHMIR 184141. Branch timings: Monday–Friday 9:30 AM – 3:30 PM, Saturday 9:30 AM – 1:30 PM (closed 2nd/4th Saturdays).
PUNB identifies Punjab National Bank. The 5th character 0 is reserved by RBI. The last 6 characters 981200 identify the Ghagwal branch.
Yes. Punjab National Bank Ghagwal Branch (IFSC: PUNB0981200) is fully enabled for NEFT, RTGS, IMPS, UPI, available 24×7 including weekends and holidays.
Log in to your bank's net banking or mobile app → Fund Transfer → Add Beneficiary → enter account number and IFSC PUNB0981200 → select NEFT/RTGS/IMPS → confirm with OTP.

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