Punjab National Bank Nigdhu (PNB)
Nigdhu · Karnal, Haryana
132024305 is the MICR code for the Nigdhu branch of Punjab National Bank, located in Karnal, Haryana. MICR codes are printed on cheque leaves and used by the RBI's Cheque Truncation System (CTS) for cheque clearing. For online transfers, use the IFSC code PUNB0150110.
Bank
Punjab National Bank
Branch & Address
Nigdhu
Main Nilokheri-karsa R Vpo Nigdhu 132157
Karnal, Karnal, Haryana
Contact
+911745267021MICR Code Structure
132
City
024
Bank
305
Branch
City code 132 identifies the RBI clearing centre, bank code 024 identifies Punjab National Bank, and branch code 305 identifies this specific branch.
Online Payment Methods Supported
Other Punjab National Bank (PNB) branches near Karnal
Other banks in Karnal, Haryana
About MICR Codes
What is a MICR code used for?
MICR (Magnetic Ink Character Recognition) codes are printed on cheque leaves using special magnetic ink. They are read by cheque processing machines and used by the RBI's Cheque Truncation System (CTS) to process and clear cheque payments between banks. Each MICR code uniquely identifies a bank branch for cheque clearing purposes.
MICR vs IFSC — when do I use which?
Use MICR when paying by cheque — it's already printed on your cheque leaf and used automatically during clearing. Use IFSC (PUNB0150110) when making online transfers via NEFT, RTGS, IMPS, or UPI — banks ask for IFSC when you add a beneficiary for online payments.
Where is the MICR code on a cheque?
The MICR code is printed at the bottom of every cheque leaf in a distinctive machine-readable font, using magnetic ink. It appears in the centre of the three numbers at the bottom — the cheque number is on the left, the MICR code 132024305 is in the middle, and your account number is on the right.