Hey!! The SWIFT code is 8 or 11 characters, made up of:

4 letters: Institution Code or bank code.

2 letters: ISO 3166-1 alpha-2 country code

2 letters or digits: location code

-if the second character is "0", then it is typically a test BIC as opposed to a BIC used on the live network.

-if the second character is "1", then it denotes a passive participant in the SWIFT network

-if the second character is "2", then it typically indicates a reverse billing BIC, where the recipient pays for the message as opposed to the more usual mode whereby the sender pays for the message.

3 letters or digits: branch code, optional ('XXX' for primary office). Where an 8-digit code is given, it may be assumed that it refers to the primary office.


As you want Swift Code of the Chandigarh Road Branch which is in Ludhiana of Punjab National Bank so that is PUNBINBB LCR

SWIFT Code Breakdown

Bank code: PUNB

Country Code: IN

Location Code: BB

Branch Code : LCR