IFSC Code of Punjab National Bank, Bairia Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Punjab National Bank's BAIRIA branch in BALLIA, UTTAR PRADESH. The branch's IFSC code PUNB0141610 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.

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 – BAIRIA is PUNB0141610. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 141610 map to this branch in BALLIA, UTTAR PRADESH.

Branch details at a glance

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Bairia branch in Ballia. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, PUNB0141610.

About this branch

The branch is located at VILL & PO BAIRIA,PWD GUEST HOUSE,BHOJPUR RD 277216. It serves the Ballia region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Punjab National Bank. The IFSC PUNB0141610 is used to identify this branch on the RBI payments network.

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 BAIRIA branch came to be assigned the code PUNB0141610.

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 PUNB0141610, money simply cannot be routed to the BAIRIA branch electronically.

How to transfer money using IFSC PUNB0141610

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 PUNB0141610 across all three.

How to use IFSC PUNB0141610 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's BAIRIA 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 PUNB0141610.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as BAIRIA.
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 PUNB0141610

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 – BAIRIA, ensure your bank's portal accepts IFSC PUNB0141610 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank BAIRIA (IFSC PUNB0141610)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0141610 in your mobile or internet banking app, and the money is credited to the BAIRIA branch account within seconds.

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

All three modes accept the IFSC PUNB0141610 for Punjab National Bank – BAIRIA, 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 Bairia 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 BAIRIA branch, the IFSC PUNB0141610 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 Bairia branch is mapped to IFSC PUNB0141610 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 PUNB0141610.

Banking services available

The Bairia branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 5496-264759.

• 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 PUNB0141610

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 PUNB0141610 and the account number together uniquely identify the Bairia 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 Bairia 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 PUNB0141610 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 – BAIRIA:

• The IFSC is exactly PUNB0141610 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 BAIRIA 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 Bairia branch sits at VILL & PO BAIRIA,PWD GUEST HOUSE,BHOJPUR RD 277216. If you are travelling from outside Ballia, search for the branch on a maps application using the bank name and locality, or call 5496-264759 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 PUNB0141610 and your account number.

Verifying IFSC PUNB0141610 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 PUNB0141610 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 5496-264759.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Bairia 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 PUNB0141610 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0141610 belongs to Punjab National Bank's BAIRIA branch, located at VILL & PO BAIRIA,PWD GUEST HOUSE,BHOJPUR RD 277216 in BALLIA, UTTAR PRADESH. 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.