Use this page as a one-stop reference for everything related to Punjab National Bank's BARRACKPORE branch in BARRACKPORE, WEST BENGAL. The branch's IFSC code PUNB0012020 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, PUNB0012020 is the IFSC of Punjab National Bank's BARRACKPORE branch. The format is fixed: PUNB = bank code, 0 = reserved, 012020 = branch identifier.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Barrackpore |
| IFSC Code | PUNB0012020 |
| MICR Code | Refer to cheque leaf |
| Branch Address | B.PORE MUNICIPALITY,B.T.ROAD,TALPUKUR |
| City | Barrackpore |
| District | North 24 Parganas |
| State | West Bengal |
About Punjab National Bank
Punjab National Bank operates a wide network of branches across India, including the Barrackpore branch in Barrackpore. 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, PUNB0012020.
About this branch
The branch is located at B.PORE MUNICIPALITY,B.T.ROAD,TALPUKUR. It serves the Barrackpore 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 PUNB0012020 is used to identify this branch on the RBI payments network.
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 BARRACKPORE of Punjab National Bank — its own 11-character IFSC. The code PUNB0012020 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 PUNB0012020 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC PUNB0012020
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 PUNB0012020 across all three.
NEFT to Punjab National Bank, BARRACKPORE using IFSC PUNB0012020
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 PUNB0012020, and confirm that the system picks up Punjab National Bank – BARRACKPORE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BARRACKPORE
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's BARRACKPORE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0012020 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Punjab National Bank – BARRACKPORE, use IMPS. With IFSC PUNB0012020 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Barrackpore
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 PUNB0012020:
- 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 BARRACKPORE is still linked to IFSC PUNB0012020.
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.
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 BARRACKPORE branch, the IFSC PUNB0012020 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 Barrackpore branch is mapped to IFSC PUNB0012020 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 PUNB0012020.
Products and services
Customers walking into the Barrackpore 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 PUNB0012020
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 PUNB0012020 and the account number together uniquely identify the Barrackpore branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Barrackpore 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 PUNB0012020 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.
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 – BARRACKPORE:
- The IFSC is exactly PUNB0012020 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 BARRACKPORE 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 Barrackpore branch
The branch is located at B.PORE MUNICIPALITY,B.T.ROAD,TALPUKUR, which puts it inside Barrackpore, the broader North 24 Parganas district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Barrackpore branch” — the verified location pin for IFSC PUNB0012020 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 PUNB0012020 and your account number.
Verifying IFSC PUNB0012020 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 PUNB0012020 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Barrackpore 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 PUNB0012020 continue to work without interruption.
Branch address & contact
Punjab National BankBarrackpore Branch
B.PORE MUNICIPALITY,B.T.ROAD,TALPUKUR
Barrackpore, West Bengal
Phone: the branch contact number
IFSC: PUNB0012020
Frequently asked questions
How quickly will an NEFT transfer using PUNB0012020 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Barrackpore reflect within 30 minutes.
How do I add Punjab National Bank Barrackpore as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0012020, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Barrackpore branch but serve different purposes.
Where is Punjab National Bank Barrackpore branch located?
Punjab National Bank's Barrackpore branch is located at B.PORE MUNICIPALITY,B.T.ROAD,TALPUKUR, Barrackpore, West Bengal.
Can I use IFSC PUNB0012020 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0012020 to send funds instantly.
What is the phone number of Punjab National Bank Barrackpore branch?
You can reach the branch at the branch contact number during regular banking hours.
Is IFSC PUNB0012020 the same for all accounts at Barrackpore branch?
Yes. The IFSC PUNB0012020 is shared by every account held at Punjab National Bank's Barrackpore branch. Only the account number changes from customer to customer.
Final notes
To recap: PUNB0012020 is the IFSC code of Punjab National Bank, BARRACKPORE branch, in BARRACKPORE, WEST BENGAL. 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.
