To move funds into an account held at PNB LOAN POINT RAM GUWAHATI (Punjab National Bank) using NEFT, the sender's bank needs this branch's IFSC code — PUNB0529900. NEFT settles in batches throughout the day, so it's a good fit for transfers that don't need to land instantly.
RTGS is the go-to option when transferring large sums (₹2 lakh+) to PNB LOAN POINT RAM GUWAHATI in GUWAH, since each transfer is settled individually and immediately rather than bundled with others.
Need money at Punjab National Bank, PNB LOAN POINT RAM GUWAHATI right now? IMPS settles instantly, 24x7, including weekends and holidays — unlike NEFT/RTGS, which follow banking-hour batch or settlement windows.
NEFT & RTGS Timing — System Hours vs. Branch Hours
A distinction that matters if you're transferring to PNB LOAN POINT RAM GUWAHATI: the RBI settlement system runs 24x7 for NEFT and RTGS, but that doesn't mean this specific branch is open around the clock. Online transfers process any time; in-person or cash-based requests still depend on the branch actually being open.
Method
System Hours
If Visiting PNB LOAN POINT RAM GUWAHATI In Person
NEFT
24x7x365, including weekends and holidays (RBI mandate since 16 Dec 2019)
Online/net-banking NEFT processes any time. An in-branch, cash, or cheque-based NEFT request still depends on that branch's working hours.
RTGS
24x7x365, including weekends and holidays (RBI mandate since 14 Dec 2020)
Minimum transfer amount is ₹2 lakh. Same system-vs-branch-hours distinction as NEFT applies for in-person requests.
IMPS
24x7x365 — always has been, no banking-hours restriction at the system level.
Typically capped per transaction depending on your bank's own limits (often around ₹5 lakh).
Sending funds to this Punjab National Bank branch takes just a few steps:
Log in to your bank's net banking portal or mobile banking app.
Add a new beneficiary/payee, entering the recipient's full name and account number.
Enter the IFSC code PUNB0529900 when prompted — this routes the transfer to PNB LOAN POINT RAM GUWAHATI specifically.
Most banks require a short cooling-off period (often a few hours) after adding a new beneficiary before the first transfer.
Once the beneficiary is active, choose NEFT, RTGS, or IMPS based on the amount and how quickly you need it to arrive.
Enter the amount, review the details (name, account number, IFSC), and confirm with your OTP/PIN.
Frequently asked questions
What is the IFSC code of the Punjab National Bank PNB LOAN POINT RAM GUWAHATI branch?
The IFSC code for Punjab National Bank's PNB LOAN POINT RAM GUWAHATI branch in GUWAH, ASSAM is PUNB0529900. This 11-character code is required for NEFT, RTGS, and IMPS transfers to any account held at this branch.
What is the MICR code of this branch?
A MICR code isn't listed for this branch in our records. MICR codes are used specifically for cheque clearing — if you need one, it's best to confirm directly with the branch, since it doesn't affect NEFT/RTGS/IMPS transfers, which only need the IFSC code (PUNB0529900).
Where is the PNB LOAN POINT RAM GUWAHATI branch of Punjab National Bank located?
This branch is located at: G.S. ROAD. It falls under GUWAH district, ASSAM.
Can I use this IFSC code for both NEFT and RTGS transfers?
Yes — the same IFSC code (PUNB0529900) is used for NEFT, RTGS, and IMPS transfers to this branch. Which one you should pick depends on the amount and urgency, not the code itself: RTGS for ₹2 lakh+ needing near-instant settlement, NEFT for regular batch-processed transfers, and IMPS for smaller amounts that need to land in seconds.
Is there a phone number for this branch?
Yes, this branch's listed contact number is +911123718172.
IFSC and MICR code data sourced from bank-published branch records. While we take care to keep this current, always confirm the IFSC code with your bank before making a large transfer — see our disclaimer for details.