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 Jalalpurbihar branch in Patna, Patna, Bihar, 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 Patna or anywhere in Bihar can transfer funds instantly by using the correct IFSC Code PUNB0097320. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.
Details of IFSC Code for Punjab National Bank, Jalalpurbihar, Patna
Below in the table are the key details related to IFSC Code PUNB0097320 of Punjab National Bank for its branch located in Patna, within the district of Patna in the state of Bihar.
| Particulars | Details |
|---|---|
| Bank | Punjab National Bank |
| IFSC Code | PUNB0097320 |
| Branch | Jalalpurbihar |
| City | Patna |
| District | Patna |
| State | Bihar |
| Address | P.O Sahaynagar,Patna |
These details helps users in online banking and for businesses and individuals who use Punjab National Bank in Patna for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code PUNB0097320 for the Jalalpurbihar branch of Punjab National Bank plays a vital 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 Jalalpurbihar, Patna, Bihar, are allotted a unique IFSC like PUNB0097320 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Patna.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Patna and Patna.
- 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 Jalalpurbihar reaches the right place, even though there are thousands of branches in Bihar and across India.
Format of the IFSC Code PUNB0097320
This is the format of the IFSC Code for banks, including Punjab National Bank, follows an 11-character structure:
AAAA0CCCCCC
Here's the explanation:
- First 4 characters (AAAA): This is the bank code. For Punjab National Bank, these characters are the bank's short identifier.
- 5th character (0): This stays zero till there is any future use.
- Last 6 characters (CCCCCC): These are specific branch code assigned to branches such as Jalalpurbihar in Patna.
For example, the IFSC Code PUNB0097320 of Punjab National Bank for the Jalalpurbihar branch includes these elements, identifying the bank and the branch location in Patna and Bihar accurately.
How to Find IFSC Code for Punjab National Bank?
If you are trying to find the IFSC Code PUNB0097320 of Punjab National Bank for its Jalalpurbihar branch located in Patna, 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
You can easily find the IFSC and MICR codes because most banks, including Punjab National Bank branches in Patna and Patna, print them 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 Jalalpurbihar or Patna to get the exact IFSC Code PUNB0097320.
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 Patna, you'll get the correct details.
How to Use IFSC Code PUNB0097320 for Online Transfers?
Once you have the IFSC Code PUNB0097320 for the Jalalpurbihar branch of Punjab National Bank in Patna, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code PUNB0097320. The transfer is completed in batches. It is useful for both personal and business payments.
RTGS
Used for payments over ₹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 PUNB0097320.
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 Jalalpurbihar in Patna, 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 Jalalpurbihar, 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 Patna manage their online transfers and cheque clearances easily.
Frequently Asked Questions (FAQs)
The IFSC Code of the Jalalpurbihar Patna branch is PUNB0097320.
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 P.O Sahaynagar,Patna.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.