Branch Details — PUNB0040900
| Bank Name | Punjab National Bank |
| Branch Name | Ratlam, Distt. Ratlam ,mp |
| IFSC Code | PUNB0040900 |
| MICR Code | 457024002 |
| Bank Code (RBI) | PUNB |
| Branch Code | 040900 |
| Address | DHANMANDI |
| City | Ratlam |
| District | Ratlam |
| State | Madhya Pradesh |
| Toll Free | 1800-180-2222 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using PUNB0040900
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC PUNB0040900.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC PUNB0040900.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is PUNB0040900. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Punjab National Bank Ratlam, Distt. Ratlam ,mp branch, Ratlam, Madhya Pradesh.
The MICR code is 457024002. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: DHANMANDI. 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 040900 identify the Ratlam, Distt. Ratlam ,mp branch.
Yes. Punjab National Bank Ratlam, Distt. Ratlam ,mp Branch (IFSC: PUNB0040900) 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 PUNB0040900 → select NEFT/RTGS/IMPS → confirm with OTP.