The IFSC Code is a very important number used in India for digital banking and online money transfers that ensures seamless and accurate fund transfers. In case you are sending money through NEFT, RTGS, or IMPS, the bank requires you to enter the correct IFSC Code to route your payment to the right branch. If you are searching for the IFSC Code of Punjab National Bank for its Bijnor branch in Bijnor, Bijnor, Uttar Pradesh, this complete guide will provide you with detailed information.
The banking system in India has changed over the years, and today customers of Punjab National Bank located in Bijnor or anywhere in Uttar Pradesh can transfer funds instantly by using the correct IFSC Code PUNB0196620. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.
Details of IFSC Code for Punjab National Bank, Bijnor, Bijnor
Here are some of the key details that come with the IFSC Code PUNB0196620 of Punjab National Bank for its branch located in Bijnor, within the district of Bijnor in the state of Uttar Pradesh.
| Particulars | Details |
|---|---|
| Bank | Punjab National Bank |
| IFSC Code | PUNB0196620 |
| Branch | Bijnor |
| City | Bijnor |
| District | Bijnor |
| State | Uttar Pradesh |
| Address | Bijnor, |
These details help users in online banking and for businesses and individuals who use Punjab National Bank in Bijnor for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code PUNB0196620 for the Bijnor branch of Punjab National Bank has a very important role.
What Is IFSC Code and Why Is It Important?
IFSC stands for Indian Financial System Code, an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, along with Punjab National Bank located in Bijnor, Bijnor, Uttar Pradesh, are allotted a unique IFSC like PUNB0196620 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Bijnor.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Bijnor and Bijnor.
- It reduces errors in fund transfers and improves accuracy.
- It helps the sender banks to validate and confirm branch details before processing payments.
It makes sure that money sent to Punjab National Bank in Bijnor reaches the right place, even though there are thousands of branches in Uttar Pradesh and across India.
Format of the IFSC Code PUNB0196620
The format of the IFSC Code for banks, including Punjab National Bank, follows an 11-character structure:
AAAA0CCCCCC
Here's the breakdown:
- First 4 characters (AAAA): These represent the bank code. In Punjab National Bank, they are a short identifier for the bank.
- 5th character (0): This is always zero and is reserved for future use.
- Last 6 characters (CCCCCC): These are what represent the specific branch code which is assigned to branches like Bijnor in Bijnor.
For example, the IFSC Code PUNB0196620 of Punjab National Bank for the Bijnor branch has these elements, identifying the bank and the branch location in Bijnor and Uttar Pradesh correctly.
How to Find IFSC Code for Punjab National Bank?
If you are trying to find the IFSC Code PUNB0196620 of Punjab National Bank for its Bijnor branch located in Bijnor, the following methods can help:
Cheque Book
The cheque book issued by Punjab National Bank includes the IFSC Code printed on each cheque leaf which you can easily spot on the top section.
Passbook
Most banks, including Punjab National Bank branches in Bijnor and Bijnor, print the IFSC and MICR codes on the first page of your passbook.
Bank Website
Visit the official website of Punjab National Bank and navigate to the branch locator section. Search for Bijnor or Bijnor to get the exact IFSC Code PUNB0196620.
Mobile Banking App
If you use Punjab National Bank's mobile app, you can check your account details to find your branch's IFSC code.
RBI Website
The Reserve Bank of India keeps an updated list of all IFSC codes. If you search for Punjab National Bank and Bijnor, you'll get the correct details.
How to Use IFSC Code PUNB0196620 for Online Transfers?
Once you have the IFSC Code PUNB0196620 for the Bijnor branch of Punjab National Bank in Bijnor, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code PUNB0196620. The transfer is completed in batches instead of instantly. It is useful for both personal and business payments.
RTGS
Used for high-value payments above ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.
IMPS
Instant 24×7 transfers. Requires the recipient's account details and Punjab National Bank IFSC Code PUNB0196620.
No matter which payment method you use, the IFSC Code must be correct. If you enter the wrong IFSC Code for the Punjab National Bank Bijnor in Bijnor, your payment can get delayed or might not go through at all.
Finding the MICR Code
MICR codes are used for cheque clearance and differ from IFSC codes. If you are looking for the MICR code of Punjab National Bank in Bijnor, here are some ways to obtain it:
- Check the bottom of your cheque leaf.
- Refer to the first page of your passbook.
- Visit the official Punjab National Bank website.
- Search the RBI portal.
Having both the IFSC and MICR codes makes it easy for account holders in Bijnor to handle online money transfers and get their cheques cleared smoothly.
Frequently Asked Questions (FAQs)
The IFSC Code of the Bijnor Bijnor branch is PUNB0196620.
Yes, the IFSC Code remains the same unless the bank undergoes a merger or restructuring.
No. IFSC is used for online fund transfers, while MICR is used for cheque processing and clearance.
You can find it on cheque books, passbooks, bank websites, mobile banking apps, and the RBI website.
The branch is located at Bijnor,.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.