- IFSC code
- PUNB0981200
- Branch
- Ghagwal
- MICR code
- 180024044
- Address
- Punjab National Bank Ghagwal Dist Samba Jammu Jammu and Kashmir 184141
- City
- Jammu (district Samba)
- State
- Jammu and Kashmir
- Phone
- +919419535492
- Transfers
- NEFT availableRTGS availableIMPS availableUPI available
What PUNB0981200 means
- PUNB: the bank, Punjab National Bank
- 0: always zero, kept for future use
- 981200: the Ghagwal branch
To send money, add the account number, the account holder's name and PUNB0981200 as a payee in your banking app. NEFT and IMPS work round the clock; RTGS is for ₹2 lakh or more.
Other Punjab National Bank branches in Jammu
- ChakroiPUNB0968000
- KhourPUNB0954200
- SarwalPUNB0882100
- Cac JammuPUNB0838800
- Circle Sastra Center JammuPUNB0825100
- MCC - JammuPUNB0810100
- VijaypurPUNB0778600
- Currency Chest - JammuPUNB0600710
- Bohri JammuPUNB0599500
- Narwal JammuPUNB0596000
- PNB Loan Point Ram JammuPUNB0532000
- Jammu-Jyoti Public High SchoolPUNB0519610
All Punjab National Bank branches in Jammu
Other banks in Jammu
Frequently asked questions
Which bank and branch is PUNB0981200?
PUNB0981200 belongs to Punjab National Bank, Ghagwal branch, Punjab National Bank Ghagwal Dist Samba Jammu Jammu and Kashmir 184141.
What is the MICR code of Punjab National Bank, Ghagwal?
The MICR code is 180024044. It is printed at the bottom of cheques from this branch.
Can I use PUNB0981200 for RTGS and IMPS?
NEFT, RTGS, IMPS transfers are enabled for this branch.
Sources
Last checked on 19 September 2026. IFSC data comes from RBI’s list, refreshed monthly. Banks sometimes merge or move branches; confirm the code on your cheque book or with your bank before a large transfer.