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
CENTRAL BANK OF INDIA	AMRITSAR	G.T.RD., AMRITSAR	CBIN0283178
CENTRAL BANK OF INDIA	SAS NAGAR(MOHALI)	MOHALI ,SAS NAGAR	CBIN0283262
CENTRAL BANK OF INDIA	BHATINDA	GIANI ZAIL SINGH COLLEGE OF ENGG. & TECH., BHATINDA	CBIN0283469
CENTRAL BANK OF INDIA	MOGA	MDAS MOGA	CBIN0283470
CENTRAL BANK OF INDIA	LUDHIANA	29 ADR CANTT	CBIN0283471
CENTRAL BANK OF INDIA	ZIRAKPUR	ZIRAKPUR CANTONMENT	CBIN0283472
CENTRAL BANK OF INDIA	PATHANKOT	R.R.M.K. MAHILA VIDALAYA PATHANKOT	CBIN0283502
CENTRAL BANK OF INDIA	MANSA	MANSA	CBIN0283600
CENTRAL BANK OF INDIA	KHARAR	KHARAR	CBIN0283601
CENTRAL BANK OF INDIA	DERA BASSI	DERABASSI	CBIN0283646
CENTRAL BANK OF INDIA	LUDHIANA	DUGRI RD,LUDHIANA	CBIN0283650
CENTRAL BANK OF INDIA	RUPNAGAR	ROPAR	CBIN0283761
CENTRAL BANK OF INDIA	LUDHIANA	FEROZEPUR ROAD LUDHIANA	CBIN0283762
CENTRAL BANK OF INDIA	MALERKOTLA	MALERKOTLA	CBIN0283765
CENTRAL BANK OF INDIA	ZIRA	ZIRA	CBIN0283766
CENTRAL BANK OF INDIA	BEHRAMPUR	BEHRAMPUR	CBIN0283767
CENTRAL BANK OF INDIA	KOHARA	KOHARA	CBIN0283768
CENTRAL BANK OF INDIA	JALANDHAR	NEW JAWAHAR NAGAR JALANDHAR	CBIN0283787
CENTRAL BANK OF INDIA	LUDHIANA	MID CORP FIN BRANCH, LUDHIANA	CBIN0283931
CENTRAL BANK OF INDIA	BATALA	M/S KISAN TRACTORS, BATALA	CBIN0284016
CENTRAL BANK OF INDIA	PATHANKOT	MAMUN CANTT PATHANKOT	CBIN0284030
CENTRAL BANK OF INDIA	PATTI	PAHUWIRD	CBIN0284217
CENTRAL BANK OF INDIA	ZIRAKPUR	BHABAT DAULT SINGH WALA	CBIN0284289
CENTRAL BANK OF INDIA	PHILLAUR	BUNDALA	CBIN0284290
CENTRAL BANK OF INDIA	BHOGPUR	BHOGPUR	CBIN0284292

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.