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 Dimrulla branch in Uttardinajpur, Malda, 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 Uttardinajpur or anywhere in West Bengal can transfer funds instantly by using the correct IFSC Code PUNB0197920. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.
Details of IFSC Code for Punjab National Bank, Dimrulla, Uttardinajpur
Below in the table are the key details related to IFSC Code PUNB0197920 of Punjab National Bank for its branch located in Uttardinajpur, within the district of Malda in the state of West Bengal.
| Particulars | Details |
|---|---|
| Bank | Punjab National Bank |
| IFSC Code | PUNB0197920 |
| Branch | Dimrulla |
| City | Uttardinajpur |
| District | Malda |
| State | West Bengal |
| Address | Dimrulla, |
These details are important not only for users using online banking but also for businesses and individuals who use Punjab National Bank in Uttardinajpur for everyday financial transactions. If you are depositing money, sending payments, or managing any commercial transfers, the IFSC Code PUNB0197920 for the Dimrulla 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, along with Punjab National Bank located in Dimrulla, Uttardinajpur, West Bengal, are allotted a unique IFSC like PUNB0197920 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Uttardinajpur.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Uttardinajpur and Malda.
- 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 Dimrulla reaches the right place, even though there are thousands of branches in West Bengal and across India.
Format of the IFSC Code PUNB0197920
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): These represent the bank code. In Punjab National Bank, they are a short identifier for the bank.
- 5th character (0): This is always zero and is reserved for future use.
- Last 6 characters (CCCCCC): These are what represent the specific branch code which is assigned to branches like Dimrulla in Uttardinajpur.
For example, the IFSC Code PUNB0197920 of Punjab National Bank for the Dimrulla branch has these elements, identifying the bank and the branch location in Uttardinajpur and West Bengal correctly.
How to Find IFSC Code for Punjab National Bank?
If you are looking for the IFSC Code PUNB0197920 of Punjab National Bank for its Dimrulla branch located in Uttardinajpur, the following methods can help:
Cheque Book
The cheque book that is issued by Punjab National Bank includes the IFSC Code printed on each cheque leaf. You can easily spot the code at the top section.
Passbook
Most of the banks, including Punjab National Bank branches in Uttardinajpur and Malda, print the IFSC and MICR codes on the first page of the passbook.
Bank Website
You can visit the official website of Punjab National Bank and look for the branch locator section, then search for Dimrulla or Uttardinajpur to get the exact IFSC Code PUNB0197920.
Mobile Banking App
If you use Punjab National Bank's mobile app, you can check your account details to easily find your branch's IFSC code.
RBI Website
The Reserve Bank of India has an updated database of all IFSC codes and if you are searching for Punjab National Bank and Uttardinajpur, then it will provide you proper information.
How to Use IFSC Code PUNB0197920 for Online Transfers?
Once you have the IFSC Code PUNB0197920 for the Dimrulla branch of Punjab National Bank in Uttardinajpur, you can initiate your fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code PUNB0197920. 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 PUNB0197920.
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 Dimrulla in Uttardinajpur 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 Dimrulla, 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 Uttardinajpur manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code is PUNB0197920.
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 Dimrulla, located in Uttardinajpur, Malda, West Bengal.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.