The 11-character IFSC code is structured to identify the bank and branch uniquely:
| Bank Name | Punjab National Bank |
| Branch Name | RAILWAY ROAD, KARNAL |
| IFSC Code | PUNB0395100 |
| MICR Code | 132024105 |
| Branch Code | 395100 |
| City / Centre | KARNAL |
| District | KARNAL |
| State | HARYANA |
| ISO3166 | IN-HR |
IFSC (Indian Financial System Code) is an 11-character alphanumeric code that uniquely identifies every bank branch participating in NEFT, RTGS, and IMPS fund transfer systems in India. The Reserve Bank of India (RBI) assigns this code to ensure secure and error-free electronic money transfers.
The IFSC code PUNB0395100 belongs to Punjab National Bank's RAILWAY ROAD, KARNAL branch in KARNAL, HARYANA. This code is required for all electronic fund transfers to this branch.
Find IFSC code printed on the left side of your cheque leaf
First page of your bank passbook contains IFSC code
Official RBI database of all bank branches
Account details section in your net banking portal
MICR (Magnetic Ink Character Recognition) is a 9-digit code that enables faster processing of cheques. The MICR code 132024105 is specifically assigned to Punjab National Bank RAILWAY ROAD, KARNAL branch.
