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 Pirtala branch in Murshidabad, Pirtola, 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 PUNB0122820. 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, Pirtala, Murshidabad
Here are the main details that are associated with the IFSC Code PUNB0122820 of Punjab National Bank for its branch located in Murshidabad, within the district of Pirtola in the state of West Bengal.
| Particulars | Details |
|---|---|
| Bank | Punjab National Bank |
| IFSC Code | PUNB0122820 |
| Branch | Pirtala |
| City | Murshidabad |
| District | Pirtola |
| State | West Bengal |
| Address | Dahapara G .P Office,Murshidabad |
These details are crucial, not just for online banking users but also for businesses and individuals who use Punjab National Bank in Murshidabad for recurring financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code PUNB0122820 for the Pirtala branch of Punjab National Bank has an 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 Pirtala, Murshidabad, West Bengal, are allotted a unique IFSC like PUNB0122820 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Murshidabad.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Murshidabad and Pirtola.
- 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 Pirtala reaches the right place, even though there are thousands of branches in West Bengal and across India.
Format of the IFSC Code PUNB0122820
The format of the IFSC Code for banks, including Punjab National Bank, follows an 11-character structure:
AAAA0CCCCCC
Here's the breakdown of this:
- First 4 characters (AAAA): Represent the bank code. For Punjab National Bank, these characters are the bank's short identifier.
- 5th character (0): Always zero which is reserved for future use.
- Last 6 characters (CCCCCC): Represent the specific branch code assigned to branches such as Pirtala in Murshidabad.
For example, the IFSC Code PUNB0122820 of Punjab National Bank for the Pirtala 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 PUNB0122820 of Punjab National Bank for its Pirtala 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 Pirtola, 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 Pirtala or Murshidabad to find the exact IFSC Code PUNB0122820.
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 PUNB0122820 for Online Transfers?
Once you have the IFSC Code PUNB0122820 for the Pirtala branch of Punjab National Bank in Murshidabad, you can initiate your fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code PUNB0122820. Transfers are processed in batches. This is 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. Requires the recipient's account details and Punjab National Bank IFSC Code PUNB0122820.
Regardless of the method you choose, the accuracy of the IFSC Code is crucial. Any mistake in entering the IFSC Code for Punjab National Bank Pirtala in Murshidabad may result in delayed or failed transactions.
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 Pirtala, 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.
Frequently Asked Questions (FAQs)
The IFSC Code is PUNB0122820.
Yes, but it can change during merging or restructuring of the bank.
No, MICR is for cheque clearing and IFSC is for online transfers.
You can find it on your chequebook, passbook, the bank's website, the mobile app, or on the RBI portal.
The address of the branch is Dahapara G .P Office,Murshidabad located in Murshidabad, Pirtola, West Bengal.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.