IFSC Code of Punjab National Bank, Bankura-Machantala Ahalyabai RO Branch, West Bengal

If you are searching for the IFSC code of Punjab National Bank, BANKURA-MACHANTALA AHALYABAI RO branch in BANKURA, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is PUNB0086710. 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 BANKURA-MACHANTALA AHALYABAI RO branch, and detailed step-by-step guides for using the IFSC PUNB0086710 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 – BANKURA-MACHANTALA AHALYABAI RO is PUNB0086710. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 086710 map to this branch in BANKURA, WEST BENGAL.

About the bank

Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bankura-Machantala Ahalyabai RO branch in Bankura, West Bengal is part of this network and uses the IFSC code PUNB0086710 for all electronic settlement.

Branch details at a glance

Bankura-Machantala Ahalyabai RO branch overview

Located at AMBICA MARKET NUTANGANJ. 722101, the Bankura-Machantala Ahalyabai RO branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0086710 is required for all interbank electronic transfers routed through this branch.

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 BANKURA-MACHANTALA AHALYABAI RO branch came to be assigned the code PUNB0086710.

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 PUNB0086710, money simply cannot be routed to the BANKURA-MACHANTALA AHALYABAI RO branch electronically.

Products and account variants supported

Every account opened at the Bankura-Machantala Ahalyabai RO branch is mapped to IFSC PUNB0086710 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 PUNB0086710.

Banking services available

The Bankura-Machantala Ahalyabai RO branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 3242-255928.

• 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 PUNB0086710

How to transfer money using IFSC PUNB0086710

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 PUNB0086710 across all three.

How to use IFSC PUNB0086710 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's BANKURA-MACHANTALA AHALYABAI RO 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 PUNB0086710.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as BANKURA-MACHANTALA AHALYABAI RO.
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 PUNB0086710

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 – BANKURA-MACHANTALA AHALYABAI RO, ensure your bank's portal accepts IFSC PUNB0086710 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Punjab National Bank – BANKURA-MACHANTALA AHALYABAI RO, use IMPS. With IFSC PUNB0086710 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 PUNB0086710 for Punjab National Bank – BANKURA-MACHANTALA AHALYABAI RO, 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 Bankura-Machantala Ahalyabai RO 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 BANKURA-MACHANTALA AHALYABAI RO branch, the IFSC PUNB0086710 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.

Digital banking channels

Most day-to-day work that customers used to do at the Bankura-Machantala Ahalyabai RO 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 PUNB0086710 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 Bankura-Machantala Ahalyabai RO branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0086710 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – BANKURA-MACHANTALA AHALYABAI RO:

• The IFSC is exactly PUNB0086710 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 BANKURA-MACHANTALA AHALYABAI RO 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.

How to reach the Bankura-Machantala Ahalyabai RO branch

The branch is located at AMBICA MARKET NUTANGANJ. 722101, which puts it inside Bankura, the broader Bankura district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Bankura-Machantala Ahalyabai RO branch” — the verified location pin for IFSC PUNB0086710 should appear at the top of the results.
2. Confirm the branch is open by calling 3242-255928 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 PUNB0086710 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0086710 for Punjab National Bank – BANKURA-MACHANTALA AHALYABAI RO, 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 Bankura-Machantala Ahalyabai RO 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 PUNB0086710 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0086710 belongs to Punjab National Bank's BANKURA-MACHANTALA AHALYABAI RO branch, located at AMBICA MARKET NUTANGANJ. 722101 in BANKURA, WEST BENGAL. 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.