IFSC Code of Punjab National Bank, Baru Phatak, Distt. Nirmar Wes Branch, Madhya Pradesh

Below are the complete branch details for Punjab National Bank, BARU PHATAK, DISTT. NIRMAR WES branch, located in BARUPHATAK, MADHYA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0132000. 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 PUNB0132000 for Punjab National Bank – BARU PHATAK, DISTT. NIRMAR WES — 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 – BARU PHATAK, DISTT. NIRMAR WES is PUNB0132000. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 132000 map to this branch in BARUPHATAK, MADHYA PRADESH.

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Baru Phatak, Distt. Nirmar Wes branch in Baruphatak. 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, PUNB0132000.

Branch details at a glance

About this branch

The branch is located at BARUPHATAK DISTT KHARGONE. It serves the Baruphatak 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 PUNB0132000 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 BARU PHATAK, DISTT. NIRMAR WES branch came to be assigned the code PUNB0132000.

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 PUNB0132000, money simply cannot be routed to the BARU PHATAK, DISTT. NIRMAR WES branch electronically.

Products and account variants supported

Every account opened at the Baru Phatak, Distt. Nirmar Wes branch is mapped to IFSC PUNB0132000 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 PUNB0132000.

Products and services

Customers walking into the Baru Phatak, Distt. Nirmar Wes 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 PUNB0132000

How to transfer money using IFSC PUNB0132000

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 PUNB0132000 across all three.

How to use IFSC PUNB0132000 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's BARU PHATAK, DISTT. NIRMAR WES 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 PUNB0132000.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as BARU PHATAK, DISTT. NIRMAR WES.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to BARU PHATAK, DISTT. NIRMAR WES

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's BARU PHATAK, DISTT. NIRMAR WES branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0132000 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 – BARU PHATAK, DISTT. NIRMAR WES, use IMPS. With IFSC PUNB0132000 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 Baru Phatak, Distt. Nirmar Wes

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 PUNB0132000:

• 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 BARU PHATAK, DISTT. NIRMAR WES is still linked to IFSC PUNB0132000.

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 PUNB0132000

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 – BARU PHATAK, DISTT. NIRMAR WES is still mapped to IFSC PUNB0132000. 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 PUNB0132000 and the beneficiary's account number to complete the transfer.

Online banking and IFSC PUNB0132000

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the BARU PHATAK, DISTT. NIRMAR WES 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 PUNB0132000 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.

MICR & cheque-truncation details

Cheques drawn on the Baru Phatak, Distt. Nirmar Wes branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0132000 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 – BARU PHATAK, DISTT. NIRMAR WES:

• The IFSC is exactly PUNB0132000 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 BARU PHATAK, DISTT. NIRMAR WES 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.

Reaching the branch

The Baru Phatak, Distt. Nirmar Wes branch sits at BARUPHATAK DISTT KHARGONE. If you are travelling from outside Baruphatak, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 PUNB0132000 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0132000 for Punjab National Bank – BARU PHATAK, DISTT. NIRMAR WES, 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 Baru Phatak, Distt. Nirmar Wes 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 PUNB0132000 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0132000 belongs to Punjab National Bank's BARU PHATAK, DISTT. NIRMAR WES branch, located at BARUPHATAK DISTT KHARGONE in BARUPHATAK, 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.