IFSC Code of Punjab National Bank, PNB Loan Point - Ram - Champaran Motihari Branch, Bihar

Use this page as a one-stop reference for everything related to Punjab National Bank's PNB LOAN POINT - RAM - CHAMPARAN MOTIHARI branch in AMBALA, BIHAR. The branch's IFSC code PUNB0808600 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, PUNB0808600 is the IFSC of Punjab National Bank's PNB LOAN POINT - RAM - CHAMPARAN MOTIHARI branch. The format is fixed: PUNB = bank code, 0 = reserved, 808600 = branch identifier.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The PNB Loan Point - Ram - Champaran Motihari branch — IFSC PUNB0808600 — extends the bank's services to customers in and around Ambala, Bihar.

Branch details at a glance

About the PNB Loan Point - Ram - Champaran Motihari branch

The PNB Loan Point - Ram - Champaran Motihari branch of Punjab National Bank is situated at NONOINT-RM-CHMRN(MOTIHRI)HMOTIH. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code PUNB0808600 is used.

Why every Punjab National Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including PNB LOAN POINT - RAM - CHAMPARAN MOTIHARI of Punjab National Bank — its own 11-character IFSC. The code PUNB0808600 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC PUNB0808600 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the PNB Loan Point - Ram - Champaran Motihari branch

Once you have an account at Punjab National Bank – PNB LOAN POINT - RAM - CHAMPARAN MOTIHARI, the IFSC PUNB0808600 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The PNB Loan Point - Ram - Champaran Motihari branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 11-23765326.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC PUNB0808600

How to transfer money using IFSC PUNB0808600

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC PUNB0808600 across all three.

NEFT to Punjab National Bank, PNB LOAN POINT - RAM - CHAMPARAN MOTIHARI using IFSC PUNB0808600

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC PUNB0808600, and confirm that the system picks up Punjab National Bank – PNB LOAN POINT - RAM - CHAMPARAN MOTIHARI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to PNB LOAN POINT - RAM - CHAMPARAN MOTIHARI

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's PNB LOAN POINT - RAM - CHAMPARAN MOTIHARI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0808600 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank PNB LOAN POINT - RAM - CHAMPARAN MOTIHARI (IFSC PUNB0808600)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0808600 in your mobile or internet banking app, and the money is credited to the PNB LOAN POINT - RAM - CHAMPARAN MOTIHARI branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC PUNB0808600 for Punjab National Bank – PNB LOAN POINT - RAM - CHAMPARAN MOTIHARI, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the PNB Loan Point - Ram - Champaran Motihari branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC PUNB0808600

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Punjab National Bank – PNB LOAN POINT - RAM - CHAMPARAN MOTIHARI is still mapped to IFSC PUNB0808600. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC PUNB0808600 and the beneficiary's account number to complete the transfer.

Online banking and IFSC PUNB0808600

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the PNB LOAN POINT - RAM - CHAMPARAN MOTIHARI branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC PUNB0808600 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

MICR & cheque-truncation details

Cheques drawn on the PNB Loan Point - Ram - Champaran Motihari branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0808600 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC PUNB0808600

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Punjab National Bank – PNB LOAN POINT - RAM - CHAMPARAN MOTIHARI, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: PUNB0808600.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Reaching the branch

The PNB Loan Point - Ram - Champaran Motihari branch sits at NONOINT-RM-CHMRN(MOTIHRI)HMOTIH. If you are travelling from outside Ambala, search for the branch on a maps application using the bank name and locality, or call 11-23765326 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC PUNB0808600 and your account number.

Verifying IFSC PUNB0808600 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm PUNB0808600 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 11-23765326.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at PNB Loan Point - Ram - Champaran Motihari are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to PUNB0808600 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0808600 belongs to Punjab National Bank's PNB LOAN POINT - RAM - CHAMPARAN MOTIHARI branch, located at NONOINT-RM-CHMRN(MOTIHRI)HMOTIH in AMBALA, BIHAR. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.