Punjab National Bank — KALIKAVU Branch

How to Use PUNB0428100 for Money Transfers

The IFSC code PUNB0428100 is specifically assigned to the KALIKAVU branch of Punjab National Bank located in KALIKAVU,MALAPPURAM, KERALA. This unique code is mandatory for routing electronic payments correctly within India.

NEFT Transfer

Use PUNB0428100 when adding this branch as a beneficiary in NEFT transactions. NEFT operates in half-hourly batches from 12:30 AM to 12:00 AM on all days. Enter the IFSC, account number, and account holder name carefully to ensure successful transfer.

RTGS Transfer

For high-value transactions above ₹2 lakh, RTGS offers real-time gross settlement. Use PUNB0428100 along with the beneficiary's exact account number. RTGS is available on working days from 7:00 AM to 6:00 PM.

IMPS & UPI

IMPS and UPI allow instant 24×7 transfers. While UPI apps often auto-resolve the IFSC from the VPA, mobile banking apps require PUNB0428100 when registering a new beneficiary.

Always double-check the account number before confirming any transfer — the IFSC routes funds to the correct branch, but the account number specifies the exact recipient.

About Punjab National Bank KALIKAVU Branch

The KALIKAVU branch of Punjab National Bank is situated in KALIKAVU,MALAPPURAM, KERALA. The branch address is WANDOOR ROAD. This branch supports electronic payment services including NEFT, RTGS, IMPS, and UPI. Always use the IFSC code PUNB0428100 when making any online fund transfer to an account held at this branch.