IFSC Code of Punjab National Bank, Balod Distt. Durg ,Chhatisgarh Branch, Chhattisgarh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, BALOD DISTT. DURG ,CHHATISGARH branch in BALOD DISTT. DURG ,CHHATISGARH. The 11-digit IFSC PUNB0610400 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Punjab National Bank at the BALOD DISTT. DURG ,CHHATISGARH location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 – BALOD DISTT. DURG ,CHHATISGARH is PUNB0610400. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 610400 map to this branch in BALOD DISTT. DURG ,CHHATISGARH, CHHATTISGARH.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Balod Distt. Durg ,Chhatisgarh branch — IFSC PUNB0610400 — extends the bank's services to customers in and around Balod Distt. Durg ,Chhatisgarh, Chhattisgarh.

About this branch

The branch is located at NEAR JAIN MANDIR, STATION ROAD,. It serves the Balod Distt. Durg ,Chhatisgarh 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 PUNB0610400 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 BALOD DISTT. DURG ,CHHATISGARH branch came to be assigned the code PUNB0610400.

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 PUNB0610400, money simply cannot be routed to the BALOD DISTT. DURG ,CHHATISGARH branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Balod Distt. Durg ,Chhatisgarh branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0610400 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC PUNB0610400

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 PUNB0610400 across all three.

NEFT to Punjab National Bank, BALOD DISTT. DURG ,CHHATISGARH using IFSC PUNB0610400

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 PUNB0610400, and confirm that the system picks up Punjab National Bank – BALOD DISTT. DURG ,CHHATISGARH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PUNB0610400

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 – BALOD DISTT. DURG ,CHHATISGARH, ensure your bank's portal accepts IFSC PUNB0610400 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank BALOD DISTT. DURG ,CHHATISGARH (IFSC PUNB0610400)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0610400 in your mobile or internet banking app, and the money is credited to the BALOD DISTT. DURG ,CHHATISGARH branch account within seconds.

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

All three modes accept the IFSC PUNB0610400 for Punjab National Bank – BALOD DISTT. DURG ,CHHATISGARH, 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 Balod Distt. Durg ,Chhatisgarh 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 PUNB0610400

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 – BALOD DISTT. DURG ,CHHATISGARH is still mapped to IFSC PUNB0610400. 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 PUNB0610400 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Balod Distt. Durg ,Chhatisgarh branch is mapped to IFSC PUNB0610400 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 PUNB0610400.

Products and services

Customers walking into the Balod Distt. Durg ,Chhatisgarh 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 PUNB0610400

Online banking and IFSC PUNB0610400

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the BALOD DISTT. DURG ,CHHATISGARH 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 PUNB0610400 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.

How to reach the Balod Distt. Durg ,Chhatisgarh branch

The branch is located at NEAR JAIN MANDIR, STATION ROAD,, which puts it inside Balod Distt. Durg ,Chhatisgarh, the broader Balod Distt.Durg Chhattisgarh district, and the state of Chhattisgarh. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Balod Distt. Durg ,Chhatisgarh branch” — the verified location pin for IFSC PUNB0610400 should appear at the top of the results.
2. Confirm the branch is open by calling 0 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 PUNB0610400 and your account number.

Common mistakes to avoid when using IFSC PUNB0610400

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 – BALOD DISTT. DURG ,CHHATISGARH, 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: PUNB0610400.
• 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.

Working hours

Branch counters at Balod Distt. Durg ,Chhatisgarh 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 PUNB0610400 continue to work without interruption.

Verifying IFSC PUNB0610400 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 PUNB0610400 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 0.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0610400 is the IFSC code of Punjab National Bank, BALOD DISTT. DURG ,CHHATISGARH branch, in BALOD DISTT. DURG ,CHHATISGARH, CHHATTISGARH. 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.