Below are the complete branch details for Punjab National Bank, CLPC BAREILLY branch, located in BAREILLY, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0604600. 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 PUNB0604600 for Punjab National Bank – CLPC BAREILLY — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – CLPC BAREILLY is PUNB0604600. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 604600 map to this branch in BAREILLY, UTTAR PRADESH.
About Punjab National Bank
Punjab National Bank operates a wide network of branches across India, including the Clpc Bareilly branch in Bareilly. 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, PUNB0604600.
About the Clpc Bareilly branch
The Clpc Bareilly branch of Punjab National Bank is situated at PILIBHIT BYPASS ROAD BAREILLY UP 243001. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code PUNB0604600 is used.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Clpc Bareilly |
| IFSC Code | PUNB0604600 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PILIBHIT BYPASS ROAD BAREILLY UP 243001 |
| City | Bareilly |
| District | Bareilly |
| State | Uttar Pradesh |
Why every Punjab National Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including CLPC BAREILLY of Punjab National Bank — its own 11-character IFSC. The code PUNB0604600 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC PUNB0604600 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Clpc Bareilly branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0604600 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 PUNB0604600
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 PUNB0604600 across all three.
NEFT to Punjab National Bank, CLPC BAREILLY using IFSC PUNB0604600
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 PUNB0604600, and confirm that the system picks up Punjab National Bank – CLPC BAREILLY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC PUNB0604600
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 – CLPC BAREILLY, ensure your bank's portal accepts IFSC PUNB0604600 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Punjab National Bank CLPC BAREILLY (IFSC PUNB0604600)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0604600 in your mobile or internet banking app, and the money is credited to the CLPC BAREILLY branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Clpc Bareilly
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 PUNB0604600:
- 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 CLPC BAREILLY is still linked to IFSC PUNB0604600.
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 PUNB0604600
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 – CLPC BAREILLY is still mapped to IFSC PUNB0604600. 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 PUNB0604600 and the beneficiary's account number to complete the transfer.
Account types you can open at the Clpc Bareilly branch
Once you have an account at Punjab National Bank – CLPC BAREILLY, the IFSC PUNB0604600 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.
Products and services
Customers walking into the Clpc Bareilly 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 PUNB0604600
Digital banking channels
Most day-to-day work that customers used to do at the Clpc Bareilly 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 PUNB0604600 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.
How to reach the Clpc Bareilly branch
The branch is located at PILIBHIT BYPASS ROAD BAREILLY UP 243001, which puts it inside Bareilly, the broader Bareilly district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Clpc Bareilly branch” — the verified location pin for IFSC PUNB0604600 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
- 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 PUNB0604600 and your account number.
Common mistakes to avoid when using IFSC PUNB0604600
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 – CLPC BAREILLY, 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:
PUNB0604600. - 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 Clpc Bareilly 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 PUNB0604600 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC PUNB0604600 for Punjab National Bank – CLPC BAREILLY, 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.
Branch address & contact
Punjab National BankClpc Bareilly Branch
PILIBHIT BYPASS ROAD BAREILLY UP 243001
Bareilly, Uttar Pradesh
Phone: the branch contact number
IFSC: PUNB0604600
Frequently asked questions
What is the phone number of Punjab National Bank Clpc Bareilly branch?
You can reach the branch at the branch contact number during regular banking hours.
Is IFSC PUNB0604600 valid for NEFT and RTGS?
Yes. IFSC PUNB0604600 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Punjab National Bank Clpc Bareilly branch?
The IFSC code of Punjab National Bank, Clpc Bareilly branch is PUNB0604600. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using PUNB0604600 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Clpc Bareilly reflect within 30 minutes.
Is IFSC PUNB0604600 the same for all accounts at Clpc Bareilly branch?
Yes. The IFSC PUNB0604600 is shared by every account held at Punjab National Bank's Clpc Bareilly branch. Only the account number changes from customer to customer.
Can I use IFSC PUNB0604600 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0604600 to send funds instantly.
Final notes
To recap: PUNB0604600 is the IFSC code of Punjab National Bank, CLPC BAREILLY branch, in BAREILLY, UTTAR PRADESH. 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.
