Branch Details — PUNB0974900
| Bank Name | Punjab National Bank |
| Branch Name | Kargil Ladaakh |
| IFSC Code | PUNB0974900 |
| MICR Code | Not allotted |
| Bank Code (RBI) | PUNB |
| Branch Code | 974900 |
| Address | PNB KARGIL NEAR JOHN PALACE MAIN BAZAR KARGIL J & K JK KARGI 194103 |
| City | Kargil |
| District | Kargil |
| State | Jammu and Kashmir |
| Contact | +919469258854 |
| Toll Free | 1800-180-2222 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using PUNB0974900
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC PUNB0974900.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC PUNB0974900.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is PUNB0974900. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Punjab National Bank Kargil Ladaakh branch, Kargil, Jammu and Kashmir.
This branch has not been allotted an MICR code in RBI records.
Address: PNB KARGIL NEAR JOHN PALACE MAIN BAZAR KARGIL J & K JK KARGI 194103. 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 974900 identify the Kargil Ladaakh branch.
Yes. Punjab National Bank Kargil Ladaakh Branch (IFSC: PUNB0974900) 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 PUNB0974900 → select NEFT/RTGS/IMPS → confirm with OTP.