PUNB0959100 — Punjab National Bank, Kharu
PUNB0959100 is the IFSC code of Punjab National Bank, Kharu branch, Leh, Jammu And Kashmir. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | PUNB0959100 |
|---|---|
| Bank | Punjab National Bank |
| Branch | Kharu |
| Address | KHARU MARKET TEHSIL- KHARU DISTRICT-LEH JK LADAK 194201 |
| City | Leh |
| District | Ladak |
| State | Jammu And Kashmir |
| MICR code | — |
| SWIFT code | — |
| Phone | +911123718172 |
| 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.
Other Punjab National Bank branches in Leh
- Cac Ladakh Area Manager — PUNB0847500
- Leh — PUNB0456600
- Skalzangling Leh — PUNB0661000
How to read IFSC PUNB0959100
| Part | Meaning |
|---|---|
| PUNB | Bank code – Punjab National Bank |
| 0 | Fifth character, always zero (kept for future use) |
| 959100 | Branch code – Kharu, Leh |
Sending money to Punjab National Bank, Kharu
Payments this branch can receive using IFSC PUNB0959100:
- 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 PUNB0959100.
Questions about IFSC PUNB0959100
What is the IFSC code of Punjab National Bank, Kharu branch?
The IFSC code of Punjab National Bank, Kharu branch (Leh, Jammu And Kashmir) is PUNB0959100.
Where is Punjab National Bank, Kharu branch located?
The branch address is KHARU MARKET TEHSIL- KHARU DISTRICT-LEH JK LADAK 194201 (Jammu And Kashmir).
Does PUNB0959100 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.