IFSC Code of Punjab National Bank, Bairdah Blk Chitkange,Distt. S Branch, Madhya Pradesh

If you are searching for the IFSC code of Punjab National Bank, BAIRDAH BLK CHITKANGE,DISTT. S branch in BAIRDAH, DISTT. SIDHI ,MADHYA PRADESH, MADHYA PRADESH, this page has every detail you need. The verified IFSC code for this branch is PUNB0323300. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the BAIRDAH BLK CHITKANGE,DISTT. S branch, and detailed step-by-step guides for using the IFSC PUNB0323300 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Punjab National Bank – BAIRDAH BLK CHITKANGE,DISTT. S is PUNB0323300. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 323300 map to this branch in BAIRDAH, DISTT. SIDHI ,MADHYA PRADESH, MADHYA PRADESH.

Branch details at a glance

About the bank

Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bairdah Blk Chitkange,Distt. S branch in Bairdah, Distt. Sidhi ,Madhya Pradesh, Madhya Pradesh is part of this network and uses the IFSC code PUNB0323300 for all electronic settlement.

About the Bairdah Blk Chitkange,Distt. S branch

The Bairdah Blk Chitkange,Distt. S branch of Punjab National Bank is situated at BERDAH DISTT. SIDHI. 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 PUNB0323300 is used.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Punjab National Bank's BAIRDAH BLK CHITKANGE,DISTT. S branch came to be assigned the code PUNB0323300.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC PUNB0323300, money simply cannot be routed to the BAIRDAH BLK CHITKANGE,DISTT. S branch electronically.

How to transfer money using IFSC PUNB0323300

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 PUNB0323300 across all three.

How to use IFSC PUNB0323300 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's BAIRDAH BLK CHITKANGE,DISTT. S 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 PUNB0323300.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as BAIRDAH BLK CHITKANGE,DISTT. S.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC PUNB0323300

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Punjab National Bank – BAIRDAH BLK CHITKANGE,DISTT. S, ensure your bank's portal accepts IFSC PUNB0323300 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Punjab National Bank – BAIRDAH BLK CHITKANGE,DISTT. S, use IMPS. With IFSC PUNB0323300 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 PUNB0323300 for Punjab National Bank – BAIRDAH BLK CHITKANGE,DISTT. S, 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 Bairdah Blk Chitkange,Distt. S 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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Punjab National Bank's BAIRDAH BLK CHITKANGE,DISTT. S branch, the IFSC PUNB0323300 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the Bairdah Blk Chitkange,Distt. S branch is mapped to IFSC PUNB0323300 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 PUNB0323300.

Products and services

Customers walking into the Bairdah Blk Chitkange,Distt. S 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 PUNB0323300

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 PUNB0323300 and the account number together uniquely identify the Bairdah Blk Chitkange,Distt. S branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Bairdah Blk Chitkange,Distt. S branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC PUNB0323300 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

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 – BAIRDAH BLK CHITKANGE,DISTT. S:

• The IFSC is exactly PUNB0323300 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 BAIRDAH BLK CHITKANGE,DISTT. S 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.

Reaching the branch

The Bairdah Blk Chitkange,Distt. S branch sits at BERDAH DISTT. SIDHI. If you are travelling from outside Bairdah, Distt. Sidhi ,Madhya Pradesh, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 PUNB0323300 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0323300 for Punjab National Bank – BAIRDAH BLK CHITKANGE,DISTT. S, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Bairdah Blk Chitkange,Distt. S 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 PUNB0323300 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0323300 is the IFSC code of Punjab National Bank, BAIRDAH BLK CHITKANGE,DISTT. S branch, in BAIRDAH, DISTT. SIDHI ,MADHYA PRADESH, MADHYA PRADESH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.