IFSC codes of all banks in punjab

Below are the IFSC code of all banks in punjab with branch details. Click on the individual IFSC code for more details. Banks uses different code for its different banking service. Make sure to check your IFSC code with recipient or bank before starting your money transfer. Cross checking provided IFSC code directly with your recipient bank is highly recommanded.

IFSC codes of all banks in punjab

Bank	City	Branch	IFSC Code
KOTAK MAHINDRA BANK LIMITED	JALANDHAR	GADAIPUR BRANCH	KKBK0004023
KOTAK MAHINDRA BANK LIMITED	JALANDHAR	JALANDHAR BASTI BAWA KHEL	KKBK0004024
KOTAK MAHINDRA BANK LIMITED	BHUCHO MANDI	BHUCHO MANDI BRANCH	KKBK0004054
KOTAK MAHINDRA BANK LIMITED	PATIALA	MANDI GOBINDGARH BRANCH PATIALA	KKBK0004055
KOTAK MAHINDRA BANK LIMITED	BARNALA	BARNALA BRANCH	KKBK0004056
KOTAK MAHINDRA BANK LIMITED	AJNALA	AJNHNALA	KKBK0004057
KOTAK MAHINDRA BANK LIMITED	FAZILKA	AZIMGARH	KKBK0004058
KOTAK MAHINDRA BANK LIMITED	BATHINDA	BATHINDA	KKBK0004059
KOTAK MAHINDRA BANK LIMITED	BHADSON	BHADSON	KKBK0004060
KOTAK MAHINDRA BANK LIMITED	JALANDHAR	CHUHEKI	KKBK0004061
KOTAK MAHINDRA BANK LIMITED	DHURI	DHURI	KKBK0004062
KOTAK MAHINDRA BANK LIMITED	DINANAGAR	DINANAGAR	KKBK0004063
KOTAK MAHINDRA BANK LIMITED	DORAHA	DORAHA	KKBK0004064
KOTAK MAHINDRA BANK LIMITED	JALANDHAR	HAZARA	KKBK0004066
KOTAK MAHINDRA BANK LIMITED	JALALABAD	JALALABADH	KKBK0004067
KOTAK MAHINDRA BANK LIMITED	MANSA	JAWAHARKE	KKBK0004068
KOTAK MAHINDRA BANK LIMITED	FARIDKOT	KOTKAPURA	KKBK0004070
KOTAK MAHINDRA BANK LIMITED	LUDHIANA	MALEWAL	KKBK0004071
KOTAK MAHINDRA BANK LIMITED	MALOUT	MALOUT	KKBK0004072
KOTAK MAHINDRA BANK LIMITED	TARN TARAN	MARI GAURH SINGH	KKBK0004073
KOTAK MAHINDRA BANK LIMITED	AMRITSAR	MEHARBANPURA	KKBK0004074
KOTAK MAHINDRA BANK LIMITED	MUKTSAR	MUKTSAR	KKBK0004076
KOTAK MAHINDRA BANK LIMITED	NAWANSHAHAR	NAWANSHAHAR	KKBK0004077
KOTAK MAHINDRA BANK LIMITED	BARNALA	PAKHOKE	KKBK0004078
KOTAK MAHINDRA BANK LIMITED	PAKHOWAL	PAKHOWAL	KKBK0004079

Understanding IFSC Codes

IFSC (Indian Financial System Code) is an 11-digit alphanumeric code that uniquely identifies all banks and their respective branches participating in the online funds transfer process.

The IFSC Code is assigned to each bank branch by the Reserve Bank of India (RBI) to monitor the online transfer of money. The electronic or online transactions for transferring funds via NEFT (National Electronic Fund Transfer), RTGS (Real Time Gross Settlement) and IMPS (Immediate Payment System) cannot be initiated without a valid IFSC Code.

Benefits of Indian Financial System Code (IFSC)
The code uniquely identifies a specific bank branch, hence helping customers to avoid any possible mistakes during the online transfer of funds via NEFT, RTGS or IMPS. The customer need not visit the branch for any financial transfer, hence can opt for online money transfer with the help of IFSC Code. It is, therefore, a rather convenient and eco-friendly option. All the online transactions including paying bills can be easily processed with the help of the IFSC code. The code is used by the RBI to monitor all the online transactions performed by an individual hence eliminating the chances of any discrepancy in the fund transfer process

IFSC Code example

BBBB - First 4 characters - bank code (only letters)

R - Next 1 characters - The fifth character is 0 (zero) and reserved for future use.

XXXXXX - Next 6 characters - represents branch (letters and digits)

IFSC - Frequently Asked Questions(FAQ)

What is Indian Financial System Code (IFSC)?

IFSC or Indian Financial System Code is an alpha-numeric code that uniquely identifies a bank-branch participating in the NEFT system. It’s a 11-digit code with the first 4 alpha characters representing the bank, and the last 6 characters representing the branch. The 5th character is 0 (zero). IFSC is used by the NEFT system to identify the originating / destination banks / branches and also to route the messages appropriately to the concerned banks / branches.

How can I find the IFSC of a bank-branch?

Bank-wise list of IFSCs is available with all the bank-branches participating in NEFT scheme. List of bank-wise branches participating in NEFT and their IFSCs is also available on our website. All member banks have also been advised to print the IFSC of the branch on cheques issued to their customers.

Who can avail NEFT system for fund transfer / receipt?

Individuals, firms and corporates maintaining accounts with any member bank, participating in the NEFT system, can electronically transfer funds to any individual, firm or corporate having an account with any other bank in the country participating in the NEFT system.

Is there any limit on funds / amount to be remitted through NEFT system?

No, there is no limit imposed by the RBI for funds transfer through NEFT system. However, banks may place amount limits based on their own risk perception with the approval of its Board.

Can the NEFT system be used for remitting funds even by those who do not have a bank account?

Yes, the person having no bank account can remit funds through NEFT to a beneficiary having a bank account, with another NEFT member bank. It can be done by depositing cash at the nearest NEFT enabled branch of any bank, by furnishing additional details such as complete address, telephone number, etc. Such cash remittances will, however, be restricted to a maximum of ₹ 50,000/- per transaction.

Can I send funds to my relative/friend residing abroad through NEFT system?

The outbound remittances through NEFT system are permitted only to Nepal under Indo-Nepal Remittance Scheme. Under this scheme, the remitter can transfer funds from any of the NEFT-enabled bank branches in India to Nepal, irrespective of whether the beneficiary in Nepal maintains an account with a bank branch in Nepal or not. The beneficiary would receive funds in Nepalese Rupees.

What are the operating hours of NEFT?

The NEFT system is available round the clock throughout the year on all days, i.e., on 24x7x365 basis. NEFT presently operates in batches on half-hourly intervals throughout the day. In case of non-availability of NEFT for any reason, appropriate message will be broadcasted by RBI to all system participants.

What are the essential details required for remitting funds through NEFT system?

The essential elements of beneficiary's identification are:
Beneficiary's Name
Beneficiary's Branch Name
Beneficiary's Bank Name
Beneficiary's Account Type
Beneficiary's Account No.
Beneficiary's Branch IFSC

How much time should I expect for receipt of funds by beneficiary?

You may expect timeline of two hours from the batch settlement within which beneficiary’s account should be credited.

What happens if I write wrong account number of beneficiary?

The credit is given to the account number written / given by remitter in his / her application / instruction. Credit to beneficiary account is released solely based on account number. It is the responsibility of remitting customer to write correct account number. The originator / sender should exercise due care in providing the correct account number of the beneficiary, in the NEFT remittance instruction / application.

How can I check a IFSC code?

You can use IFSC Code Checker tool to cross check your IFSC code. It is important to cross check your IFSC code with recipient bank before initiating money transfer.

How can I track status of NEFT transactions initiated? Who should be approached to know status of the NEFT transaction?

The remitter and the beneficiary can track status of NEFT transaction by contacting NEFT Customer Facilitation Centre (CFC) of their bank, respectively. Details of NEFT Customer Facilitation Centre of banks are available on the websites of the respective banks.