Branch Details — PUNB0456100
| Bank Name | Punjab National Bank |
| Branch Name | Payal |
| IFSC Code | PUNB0456100 |
| MICR Code | 141024152 |
| Bank Code (RBI) | PUNB |
| Branch Code | 456100 |
| Address | PAYAL |
| City | Disttludhiana |
| District | Payal ,distt Ludhiana |
| State | Punjab |
| Toll Free | 1800-180-2222 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using PUNB0456100
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC PUNB0456100.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC PUNB0456100.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is PUNB0456100. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Punjab National Bank Payal branch, Disttludhiana, Punjab.
The MICR code is 141024152. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: PAYAL. 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 456100 identify the Payal branch.
Yes. Punjab National Bank Payal Branch (IFSC: PUNB0456100) 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 PUNB0456100 → select NEFT/RTGS/IMPS → confirm with OTP.