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 Baihata Charali branch in Kamrup, Baihata Charali, Assam, 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 Kamrup or anywhere in Assam can transfer funds instantly by using the correct IFSC Code PUNB0032720. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.
Details of IFSC Code for Punjab National Bank, Baihata Charali, Kamrup
Here are the main details that are associated with the IFSC Code PUNB0032720 of Punjab National Bank for its branch located in Kamrup, within the district of Baihata Charali in the state of Assam.
| Particulars | Details |
|---|---|
| Bank | Punjab National Bank |
| IFSC Code | PUNB0032720 |
| Branch | Baihata Charali |
| City | Kamrup |
| District | Baihata Charali |
| State | Assam |
| Address | Baihata-Charali,Dist-Kamrup |
These details are important not only for users using online banking but also for businesses and individuals who use Punjab National Bank in Kamrup for everyday financial transactions. If you are depositing money, sending payments, or managing any commercial transfers, the IFSC Code PUNB0032720 for the Baihata Charali branch of Punjab National Bank is vital.
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, including Punjab National Bank located in Baihata Charali, Kamrup, Assam, is provided with a unique IFSC like PUNB0032720 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It uniquely identifies the Punjab National Bank branch in Kamrup.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It avoids any errors or confusions between multiple branches of the same bank across different places like Kamrup and Baihata Charali.
- It reduces errors in fund transfers and improves accuracy.
- It allows sender banks to validate and confirm branch details before processing payments.
There are thousands of branches across Assam and the rest of India and the IFSC Code ensures that transactions meant for Punjab National Bank in Baihata Charali do not get mixed with another location.
Format of the IFSC Code PUNB0032720
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): Show the bank code. For Punjab National Bank, these letters represent the bank's short name.
- 5th character: Is always zero and is kept for future use.
- Last 6 characters (CCCCCC): Represent the specific branch code assigned to branches such as Baihata Charali in Kamrup.
For example, the IFSC Code PUNB0032720 of Punjab National Bank for the Baihata Charali branch includes these elements, identifying the bank and the branch location in Kamrup and Assam accurately.
How to Find IFSC Code for Punjab National Bank?
If you are trying to find the IFSC Code PUNB0032720 of Punjab National Bank for its Baihata Charali branch located in Kamrup, 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 Kamrup and Baihata Charali, 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 Baihata Charali or Kamrup to get the exact IFSC Code PUNB0032720.
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 Kamrup, you'll get the correct details.
How to Use IFSC Code PUNB0032720 for Online Transfers?
If you have the IFSC Code PUNB0032720 for the Baihata Charali branch of Punjab National Bank in Kamrup, you can easily go ahead with fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code PUNB0032720. Transfers are processed in batches. Suitable for 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. Asks for the recipient's account details and Punjab National Bank IFSC Code PUNB0032720.
Whatever method you choose, the accuracy of the IFSC Code is important and needed. In case there is any mistake in entering the IFSC Code for Punjab National Bank Baihata Charali in Kamrup, it may result in delayed or failed transactions.
Finding the MICR Code
MICR codes are used for check clearances and are not the same as IFSC codes. If you are searching for the MICR code of Punjab National Bank in Baihata Charali, you can find it by any of the following ways:
- Check the bottom of your cheque leaf.
- Go to the first page of your passbook.
- Visit the official Punjab National Bank website.
- Search the RBI portal.
Having both IFSC and MICR codes helps account holders in Kamrup manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code of the Baihata Charali Kamrup branch is PUNB0032720.
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 Baihata-Charali,Dist-Kamrup.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.