IFSC Code of Punjab National Bank, Bankhedi ,Distt-Hosangabad Branch, Madhya Pradesh

Use this page as a one-stop reference for everything related to Punjab National Bank's BANKHEDI ,DISTT-HOSANGABAD branch in BANKHEDI ,DISTT-HOSANGABAD, MADHYA PRADESH. The branch's IFSC code PUNB0639200 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.

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 BANKHEDI ,DISTT-HOSANGABAD branch, the IFSC PUNB0639200 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 639200 identifies this particular branch.

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Bankhedi ,Distt-Hosangabad branch in Bankhedi ,Distt-Hosangabad. 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, PUNB0639200.

Branch details at a glance

About this branch

The branch is located at BANKHEDI (DISTT-HOSANGABAD). It serves the Bankhedi ,Distt-Hosangabad 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 PUNB0639200 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 BANKHEDI ,DISTT-HOSANGABAD branch came to be assigned the code PUNB0639200.

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 PUNB0639200, money simply cannot be routed to the BANKHEDI ,DISTT-HOSANGABAD branch electronically.

Account types you can open at the Bankhedi ,Distt-Hosangabad branch

Once you have an account at Punjab National Bank – BANKHEDI ,DISTT-HOSANGABAD, the IFSC PUNB0639200 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Bankhedi ,Distt-Hosangabad branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• 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 PUNB0639200

How to transfer money using IFSC PUNB0639200

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 PUNB0639200 across all three.

NEFT to Punjab National Bank, BANKHEDI ,DISTT-HOSANGABAD using IFSC PUNB0639200

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 PUNB0639200, and confirm that the system picks up Punjab National Bank – BANKHEDI ,DISTT-HOSANGABAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BANKHEDI ,DISTT-HOSANGABAD

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's BANKHEDI ,DISTT-HOSANGABAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0639200 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank BANKHEDI ,DISTT-HOSANGABAD (IFSC PUNB0639200)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0639200 in your mobile or internet banking app, and the money is credited to the BANKHEDI ,DISTT-HOSANGABAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bankhedi ,Distt-Hosangabad

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC PUNB0639200:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at BANKHEDI ,DISTT-HOSANGABAD is still linked to IFSC PUNB0639200.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC PUNB0639200

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 – BANKHEDI ,DISTT-HOSANGABAD is still mapped to IFSC PUNB0639200. 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 PUNB0639200 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Bankhedi ,Distt-Hosangabad 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 PUNB0639200 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.

MICR & cheque-truncation details

Cheques drawn on the Bankhedi ,Distt-Hosangabad branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0639200 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC PUNB0639200

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 – BANKHEDI ,DISTT-HOSANGABAD, 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: PUNB0639200.
• 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.

How to reach the Bankhedi ,Distt-Hosangabad branch

The branch is located at BANKHEDI (DISTT-HOSANGABAD), which puts it inside Bankhedi ,Distt-Hosangabad, the broader M.P. district, and the state of Madhya Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Bankhedi ,Distt-Hosangabad branch” — the verified location pin for IFSC PUNB0639200 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 PUNB0639200 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0639200 for Punjab National Bank – BANKHEDI ,DISTT-HOSANGABAD, 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 Bankhedi ,Distt-Hosangabad 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 PUNB0639200 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0639200 belongs to Punjab National Bank's BANKHEDI ,DISTT-HOSANGABAD branch, located at BANKHEDI (DISTT-HOSANGABAD) in BANKHEDI ,DISTT-HOSANGABAD, MADHYA 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.