IFSC Code of Punjab National Bank, Patikabari, Patikabari, West Bengal — PUNB0093120

There is one important element for digital banking and online financial transactions in India that ensures seamless and accurate fund transfers is the IFSC Code. For sending money through NEFT, RTGS, or IMPS, the bank asks you to enter the correct IFSC Code to make the route of your payment to the right branch. In case you are searching for the IFSC Code of Punjab National Bank for its Patikabari branch in Murshidabad, Patikabari, West Bengal, then this comprehensive guide will provide you with detailed information.

The banking system in India has changed over time, and today the customers of Punjab National Bank situated in Murshidabad or anywhere in West Bengal can easily transfer funds instantly by using the correct IFSC Code PUNB0093120. You should know how the IFSC Code works and how it helps you stay informed and avoid transfer errors.

Details of IFSC Code for Punjab National Bank, Patikabari, Murshidabad

The table below shows the main details of the IFSC Code PUNB0093120 for the Punjab National Bank branch in Murshidabad, which falls under the Patikabari district in West Bengal.

These details help users in online banking and for businesses and individuals who use Punjab National Bank in Murshidabad for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code PUNB0093120 for the Patikabari 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, including Punjab National Bank located in Patikabari, Murshidabad, West Bengal, is provided with a unique IFSC like PUNB0093120 to ensure that online payments reach the right destination.

The IFSC Code is important because:

• It uniquely identifies the Punjab National Bank branch in Murshidabad.
• 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 Murshidabad and Patikabari.
• 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 West Bengal and the rest of India and the IFSC Code ensures that transactions meant for Punjab National Bank in Patikabari do not get mixed with another location.

Format of the IFSC Code PUNB0093120

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 Patikabari in Murshidabad.

For example, the IFSC Code PUNB0093120 of Punjab National Bank for the Patikabari branch includes these elements, identifying the bank and the branch location in Murshidabad and West Bengal accurately.

How to Find IFSC Code for Punjab National Bank?

To find the IFSC Code PUNB0093120 of Punjab National Bank for its Patikabari branch located in Murshidabad, the following methods can help you out:

Cheque Book

The cheque book issued by Punjab National Bank includes the IFSC Code printed on each cheque leaf. You can easily spot the code on the top section.

Passbook

Most banks, including Punjab National Bank branches in Murshidabad and Patikabari, print the IFSC and MICR codes on the first page of the passbook.

Bank Website

Visit the official website of Punjab National Bank and go to the branch locator section. Then search for Patikabari or Murshidabad to find the exact IFSC Code PUNB0093120.

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 maintains an updated database of all IFSC codes. Searching for Punjab National Bank and Murshidabad will provide accurate information.

How to Use IFSC Code PUNB0093120 for Online Transfers?

Once you have the IFSC Code PUNB0093120 for the Patikabari branch of Punjab National Bank in Murshidabad, you can initiate your fund transfers using any digital method:

NEFT

Add the beneficiary's name, account number, and IFSC Code PUNB0093120. 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 PUNB0093120.

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 Patikabari in Murshidabad, your payment can get delayed or might not go through at all.

Finding the MICR Code

MICR codes are used for cheque clearance and are very different from IFSC codes. If you are looking for the MICR code of Punjab National Bank in Patikabari, here are some of the ways you can get 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.

Knowing both IFSC and MICR code can help account holders in Murshidabad manage their online transfers and cheque clearances easily.