Use this page as a one-stop reference for everything related to Punjab National Bank's BEONTA branch in BEONTA, WEST BENGAL. The branch's IFSC code PUNB0115220 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 BEONTA branch, the IFSC PUNB0115220 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 115220 identifies this particular branch.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Beonta |
| IFSC Code | PUNB0115220 |
| MICR Code | Refer to cheque leaf |
| Branch Address | P.O BHOJERHAT,24PGS(S) |
| City | Beonta |
| District | South 24 Parganas |
| State | 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 Beonta branch in Beonta, West Bengal is part of this network and uses the IFSC code PUNB0115220 for all electronic settlement.
About this branch
The branch is located at P.O BHOJERHAT,24PGS(S). It serves the Beonta 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 PUNB0115220 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 BEONTA of Punjab National Bank — its own 11-character IFSC. The code PUNB0115220 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 PUNB0115220 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 PUNB0115220
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 PUNB0115220 across all three.
NEFT to Punjab National Bank, BEONTA using IFSC PUNB0115220
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 PUNB0115220, and confirm that the system picks up Punjab National Bank – BEONTA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BEONTA
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's BEONTA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0115220 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 – BEONTA, use IMPS. With IFSC PUNB0115220 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 Beonta
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 PUNB0115220:
- 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 BEONTA is still linked to IFSC PUNB0115220.
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 BEONTA branch, the IFSC PUNB0115220 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 Beonta branch is mapped to IFSC PUNB0115220 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 PUNB0115220.
Products and services
Customers walking into the Beonta 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 PUNB0115220
MICR & cheque-truncation details
Cheques drawn on the Beonta branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0115220 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC PUNB0115220
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the BEONTA 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 PUNB0115220 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.
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 – BEONTA:
- The IFSC is exactly PUNB0115220 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 BEONTA 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 Beonta branch sits at P.O BHOJERHAT,24PGS(S). If you are travelling from outside Beonta, 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 PUNB0115220 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC PUNB0115220 for Punjab National Bank – BEONTA, 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 Beonta 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 PUNB0115220 continue to work without interruption.
Branch address & contact
Punjab National BankBeonta Branch
P.O BHOJERHAT,24PGS(S)
Beonta, West Bengal
Phone: the branch contact number
IFSC: PUNB0115220
Frequently asked questions
Is IFSC PUNB0115220 the same for all accounts at Beonta branch?
Yes. The IFSC PUNB0115220 is shared by every account held at Punjab National Bank's Beonta branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using PUNB0115220 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Beonta reflect within 30 minutes.
Does Punjab National Bank Beonta branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
What is the phone number of Punjab National Bank Beonta branch?
You can reach the branch at the branch contact number during regular banking hours.
Is IFSC PUNB0115220 valid for NEFT and RTGS?
Yes. IFSC PUNB0115220 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Punjab National Bank Beonta as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0115220, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code PUNB0115220 belongs to Punjab National Bank's BEONTA branch, located at P.O BHOJERHAT,24PGS(S) in BEONTA, 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.
