Below are the complete branch details for Punjab National Bank, BANKA branch, located in BANKA-BIHAR, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0151210. 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 PUNB0151210 for Punjab National Bank – BANKA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Punjab National Bank's BANKA branch, the IFSC PUNB0151210 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 151210 identifies this particular branch.
About the bank
Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Banka branch in Banka-Bihar, Bihar is part of this network and uses the IFSC code PUNB0151210 for all electronic settlement.
Banka branch overview
Located at WARD NO 12/3,ALIGANJ NEAR NAGAR PALIKA 813102, the Banka branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0151210 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Banka |
| IFSC Code | PUNB0151210 |
| MICR Code | Refer to cheque leaf |
| Branch Address | WARD NO 12/3,ALIGANJ NEAR NAGAR PALIKA 813102 |
| City | Banka-Bihar |
| District | Banka |
| State | Bihar |
| STD Code | 6424 |
| Phone | 223994 |
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 BANKA branch came to be assigned the code PUNB0151210.
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 PUNB0151210, money simply cannot be routed to the BANKA branch electronically.
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 PUNB0151210 and the account number together uniquely identify the Banka branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC PUNB0151210
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 PUNB0151210 across all three.
NEFT to Punjab National Bank, BANKA using IFSC PUNB0151210
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 PUNB0151210, and confirm that the system picks up Punjab National Bank – BANKA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BANKA
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's BANKA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0151210 while initiating the transfer and the credit will appear within minutes.
IMPS to Punjab National Bank BANKA (IFSC PUNB0151210)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0151210 in your mobile or internet banking app, and the money is credited to the BANKA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0151210 for Punjab National Bank – BANKA, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – PUNB0151210 | Yes – PUNB0151210 | Yes – PUNB0151210 |
For most retail customers crediting the Banka 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 BANKA branch, the IFSC PUNB0151210 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 Banka branch is mapped to IFSC PUNB0151210 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 PUNB0151210.
Banking services available
The Banka branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6424-223994.
- 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 PUNB0151210
Online banking and IFSC PUNB0151210
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the BANKA 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 PUNB0151210 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.
Reaching the branch
The Banka branch sits at WARD NO 12/3,ALIGANJ NEAR NAGAR PALIKA 813102. If you are travelling from outside Banka-Bihar, search for the branch on a maps application using the bank name and locality, or call 6424-223994 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 PUNB0151210 and your account number.
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 – BANKA:
- The IFSC is exactly PUNB0151210 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 BANKA 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.
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 Banka branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0151210, however, work 24x7.
Verifying IFSC PUNB0151210 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 PUNB0151210 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 6424-223994.
- Visiting the bank's official branch locator page.
Branch address & contact
Punjab National BankBanka Branch
WARD NO 12/3,ALIGANJ NEAR NAGAR PALIKA 813102
Banka-Bihar, Bihar
Phone: 6424-223994
IFSC: PUNB0151210
Frequently asked questions
What is the IFSC code of Punjab National Bank Banka branch?
The IFSC code of Punjab National Bank, Banka branch is PUNB0151210. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC PUNB0151210 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0151210 to send funds instantly.
Is IFSC PUNB0151210 valid for NEFT and RTGS?
Yes. IFSC PUNB0151210 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Punjab National Bank Banka as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0151210, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using PUNB0151210 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Banka reflect within 30 minutes.
Is IFSC PUNB0151210 the same for all accounts at Banka branch?
Yes. The IFSC PUNB0151210 is shared by every account held at Punjab National Bank's Banka branch. Only the account number changes from customer to customer.
Where is Punjab National Bank Banka branch located?
Punjab National Bank's Banka branch is located at WARD NO 12/3,ALIGANJ NEAR NAGAR PALIKA 813102, Banka-Bihar, Bihar.
Final notes
To recap: PUNB0151210 is the IFSC code of Punjab National Bank, BANKA branch, in BANKA-BIHAR, BIHAR. 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.
