Punjab National Bank — GANGTOK

EAST DISTRICT, SIKKIM

IFSC Code

PUNB0099810

MICR Code

Not available

Branch

GANGTOK

Bank

Punjab National Bank

District

GANGTOK

State

SIKKIM

Contact

204189

Address

PALJOR STADIUM ROAD 737101

Get Directions to This Branch

Using IFSC PUNB0099810 for money transfers

NEFT transfers to GANGTOK, one of Punjab National Bank's branches in GANGTOK, are batch-processed rather than instant. Most transfers clear within 30 minutes to a couple of hours during banking hours, and NEFT now runs 24x7 on all days including weekends.

RTGS (Real Time Gross Settlement) is built for high-value transfers — ₹2 lakh and above — and settles individually rather than in batches, so money reaches GANGTOK almost immediately once processed, rather than waiting for the next settlement window.

IMPS is built for urgency: transfers to GANGTOK clear in seconds rather than minutes or hours, and it works around the clock — useful outside NEFT/RTGS's usual processing windows.

NEFT & RTGS Timing — System Hours vs. Branch Hours

A distinction that matters if you're transferring to GANGTOK: 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.

MethodSystem HoursIf Visiting GANGTOK In Person
NEFT24x7x365, 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.
RTGS24x7x365, 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.
IMPS24x7x365 — 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).

Here's how to send money to GANGTOK using net banking or a UPI app:

  1. Log in to your bank's net banking portal or mobile banking app.
  2. Add a new beneficiary/payee, entering the recipient's full name and account number.
  3. Enter the IFSC code PUNB0099810 when prompted — this routes the transfer to GANGTOK specifically.
  4. Most banks require a short cooling-off period (often a few hours) after adding a new beneficiary before the first transfer.
  5. Once the beneficiary is active, choose NEFT, RTGS, or IMPS based on the amount and how quickly you need it to arrive.
  6. 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 GANGTOK branch?

The IFSC code for Punjab National Bank's GANGTOK branch in EAST DISTRICT, GANGTOK, SIKKIM is PUNB0099810. 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 (PUNB0099810).

Where is the GANGTOK branch of Punjab National Bank located?

This branch is located at: PALJOR STADIUM ROAD 737101. It falls under GANGTOK district, SIKKIM.

Can I use this IFSC code for both NEFT and RTGS transfers?

Yes — the same IFSC code (PUNB0099810) 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 204189.

Other Punjab National Bank branches in GANGTOK

GANGTOKGANGTOKUPPER TADONG

Punjab National Bank in other districts of SIKKIM

NAMCHI (2)EAST SIKKIM (1)NORTH BENGAL (1)RANGPO (1)SINGTAM TOWN SIKKIM (1)

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.