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 Ganguly Bagan branch in South 24 Parganas, Kolkata, West Bengal, 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 South 24 Parganas or anywhere in West Bengal can transfer funds instantly by using the correct IFSC Code PUNB0036420. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.
Details of IFSC Code for Punjab National Bank, Ganguly Bagan, South 24 Parganas
The table below shows the main details of the IFSC Code PUNB0036420 for the Punjab National Bank branch in South 24 Parganas, which falls under the Kolkata district in West Bengal.
| Particulars | Details |
|---|---|
| Bank | Punjab National Bank |
| IFSC Code | PUNB0036420 |
| Branch | Ganguly Bagan |
| City | South 24 Parganas |
| District | Kolkata |
| State | West Bengal |
| Address | 84, Raja S.C Mullick,Kolkata |
These details helps users in online banking and for businesses and individuals who use Punjab National Bank in South 24 Parganas for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code PUNB0036420 for the Ganguly Bagan 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 Ganguly Bagan, South 24 Parganas, West Bengal, are allotted a unique IFSC like PUNB0036420 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in South 24 Parganas.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like South 24 Parganas and Kolkata.
- 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 Ganguly Bagan reaches the right place, even though there are thousands of branches in West Bengal and across India.
Format of the IFSC Code PUNB0036420
The format of the IFSC Code for banks, including Punjab National Bank, has 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 Ganguly Bagan in South 24 Parganas.
For example, the IFSC Code PUNB0036420 of Punjab National Bank for the Ganguly Bagan branch includes these elements, identifying the bank and the branch location in South 24 Parganas and West Bengal correctly.
How to Find IFSC Code for Punjab National Bank?
To find the IFSC Code PUNB0036420 of Punjab National Bank for its Ganguly Bagan branch located in South 24 Parganas, 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 South 24 Parganas and Kolkata, 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 Ganguly Bagan or South 24 Parganas to find the exact IFSC Code PUNB0036420.
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 South 24 Parganas will provide accurate information.
How to Use IFSC Code PUNB0036420 for Online Transfers?
If you have the IFSC Code PUNB0036420 for the Ganguly Bagan branch of Punjab National Bank in South 24 Parganas, you can easily go ahead with fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code PUNB0036420. 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 PUNB0036420.
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 Ganguly Bagan in South 24 Parganas, 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 Ganguly Bagan, 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 South 24 Parganas manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code is PUNB0036420.
Yes, but it can change if the bank merges or goes through restructuring.
No. MICR is for cheque clearing; IFSC is for online transfers.
You can find it on cheque books, passbooks, the bank's website, mobile app, or the RBI portal.
The address of the branch is 84, Raja S.C Mullick,Kolkata located in South 24 Parganas, Kolkata, West Bengal.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.