PUNB0321200 — Punjab National Bank, Lumding College Rd, Distt. Nag
PUNB0321200 is the IFSC code of Punjab National Bank, Lumding College Rd, Distt. Nag branch, Distt. Nagaon, Assam. MICR 782024504. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | PUNB0321200 |
|---|---|
| Bank | Punjab National Bank |
| Branch | Lumding College Rd, Distt. Nag |
| Address | COLLEGE ROAD, OPP. LUMDING POST OFFICE |
| City | Distt. Nagaon |
| District | Lumding, Distt Nagaon, Assam |
| State | Assam |
| MICR code | 782024504 |
| SWIFT code | — |
| Phone | — |
| NEFT | Yes |
| RTGS | Yes |
| IMPS | Yes |
| UPI | Yes |
Source: Reserve Bank of India IFSC/MICR list, as compiled by the open-source Razorpay IFSC dataset (MIT licence), updated 08 Nov 2026. Always confirm the IFSC with your bank before sending money.
How to read IFSC PUNB0321200
| Part | Meaning |
|---|---|
| PUNB | Bank code – Punjab National Bank |
| 0 | Fifth character, always zero (kept for future use) |
| 321200 | Branch code – Lumding College Rd, Distt. Nag, Distt. Nagaon |
The MICR code 782024504 is printed at the bottom of cheques from this branch: 782 is the city code, 024 the bank code and 504 the branch code. MICR is used only for cheque clearing; online transfers need the IFSC.
Sending money to Punjab National Bank, Lumding College Rd, Distt. Nag
Payments this branch can receive using IFSC PUNB0321200:
- NEFT – available 24×7, all days; RBI sets no minimum or maximum amount (your bank may set its own limit).
- RTGS – for ₹2 lakh and above, settled in real time, 24×7.
- IMPS – instant transfer 24×7, usually up to ₹5 lakh per transaction.
- UPI – accounts at this branch can be linked to UPI apps.
To pay someone here you need their account number, the account holder’s name and the IFSC PUNB0321200.
Questions about IFSC PUNB0321200
What is the IFSC code of Punjab National Bank, Lumding College Rd, Distt. Nag branch?
The IFSC code of Punjab National Bank, Lumding College Rd, Distt. Nag branch (Distt. Nagaon, Assam) is PUNB0321200.
What is the MICR code of Punjab National Bank, Lumding College Rd, Distt. Nag?
The MICR code of this branch is 782024504.
Where is Punjab National Bank, Lumding College Rd, Distt. Nag branch located?
The branch address is COLLEGE ROAD, OPP. LUMDING POST OFFICE (Assam).
Does PUNB0321200 support RTGS and NEFT?
NEFT: yes. RTGS: yes. IMPS: yes (as per the RBI list in our records).
Income tax refund not received?
A refund fails when the bank account on the income tax portal is not pre-validated or the IFSC has changed after a bank merger. We fix the account, raise a refund re-issue request and follow up — online, anywhere in India.