Branch Details — PUNB0959100
| Bank Name | Punjab National Bank |
| Branch Name | Kharu |
| IFSC Code | PUNB0959100 |
| MICR Code | Not allotted |
| Bank Code (RBI) | PUNB |
| Branch Code | 959100 |
| Address | KHARU MARKET TEHSIL- KHARU DISTRICT-LEH JK LADAK 194201 |
| City | Leh |
| District | Ladak |
| State | Jammu and Kashmir |
| Contact | +911123718172 |
| Toll Free | 1800-180-2222 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using PUNB0959100
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC PUNB0959100.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC PUNB0959100.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is PUNB0959100. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Punjab National Bank Kharu branch, Leh, Jammu and Kashmir.
This branch has not been allotted an MICR code in RBI records.
Address: KHARU MARKET TEHSIL- KHARU DISTRICT-LEH JK LADAK 194201. 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 959100 identify the Kharu branch.
Yes. Punjab National Bank Kharu Branch (IFSC: PUNB0959100) 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 PUNB0959100 → select NEFT/RTGS/IMPS → confirm with OTP.