IFSC Code of Punjab National Bank, Atri, Distt. Gaya ,Bihar Branch, Bihar

Below are the complete branch details for Punjab National Bank, ATRI, DISTT. GAYA ,BIHAR branch, located in ATRI. DIST GAYA, BIHAR, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0101000. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case PUNB0101000 for Punjab National Bank – ATRI, DISTT. GAYA ,BIHAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, PUNB0101000 is the IFSC of Punjab National Bank's ATRI, DISTT. GAYA ,BIHAR branch. The format is fixed: PUNB = bank code, 0 = reserved, 101000 = branch identifier.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Atri, Distt. Gaya ,Bihar branch — IFSC PUNB0101000 — extends the bank's services to customers in and around Atri. Dist Gaya, Bihar, Bihar.

Branch details at a glance

About the Atri, Distt. Gaya ,Bihar branch

The Atri, Distt. Gaya ,Bihar branch of Punjab National Bank is situated at VIA PO KHIZIRSARAI, ATRI, DIST GAYA. 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 PUNB0101000 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 ATRI, DISTT. GAYA ,BIHAR of Punjab National Bank — its own 11-character IFSC. The code PUNB0101000 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 PUNB0101000 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Atri, Distt. Gaya ,Bihar branch is mapped to IFSC PUNB0101000 on the RBI payments network. The branch generally supports the full retail product catalogue of Punjab National Bank, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains PUNB0101000.

Products and services

Customers walking into the Atri, Distt. Gaya ,Bihar branch can access most of Punjab National Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC PUNB0101000

How to transfer money using IFSC PUNB0101000

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 PUNB0101000 across all three.

How to use IFSC PUNB0101000 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's ATRI, DISTT. GAYA ,BIHAR branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC PUNB0101000.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as ATRI, DISTT. GAYA ,BIHAR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to ATRI, DISTT. GAYA ,BIHAR

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's ATRI, DISTT. GAYA ,BIHAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0101000 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Punjab National Bank – ATRI, DISTT. GAYA ,BIHAR, use IMPS. With IFSC PUNB0101000 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC PUNB0101000 for Punjab National Bank – ATRI, DISTT. GAYA ,BIHAR, 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 Atri, Distt. Gaya ,Bihar 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 PUNB0101000

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 – ATRI, DISTT. GAYA ,BIHAR is still mapped to IFSC PUNB0101000. 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 PUNB0101000 and the beneficiary's account number to complete the transfer.

Online banking and IFSC PUNB0101000

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the ATRI, DISTT. GAYA ,BIHAR 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 PUNB0101000 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 code & cheque clearing

Apart from IFSC, every cheque book issued by Punjab National Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC PUNB0101000 and the account number together uniquely identify the Atri, Distt. Gaya ,Bihar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Punjab National Bank – ATRI, DISTT. GAYA ,BIHAR:

• The IFSC is exactly PUNB0101000 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Punjab National Bank as the bank name and ATRI, DISTT. GAYA ,BIHAR as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Atri, Distt. Gaya ,Bihar branch

The branch is located at VIA PO KHIZIRSARAI, ATRI, DIST GAYA, which puts it inside Atri. Dist Gaya, Bihar, the broader Atri. Dist Gaya, Bihar district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Atri, Distt. Gaya ,Bihar branch” — the verified location pin for IFSC PUNB0101000 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC PUNB0101000 and your account number.

Verifying IFSC PUNB0101000 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 PUNB0101000 by:

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

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Atri, Distt. Gaya ,Bihar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0101000, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0101000 belongs to Punjab National Bank's ATRI, DISTT. GAYA ,BIHAR branch, located at VIA PO KHIZIRSARAI, ATRI, DIST GAYA in ATRI. DIST GAYA, BIHAR, 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.