IFSC Code of Punjab National Bank, PNB Loan Point - Ram - Berhampur Ganjam Branch, Odisha

This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, PNB LOAN POINT - RAM - BERHAMPUR GANJAM branch in BERHAMPUR. The 11-digit IFSC PUNB0804200 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Punjab National Bank at the PNB LOAN POINT - RAM - BERHAMPUR GANJAM location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 – PNB LOAN POINT - RAM - BERHAMPUR GANJAM is PUNB0804200. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 804200 map to this branch in BERHAMPUR, ODISHA.

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the PNB Loan Point - Ram - Berhampur Ganjam branch in Berhampur. 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, PUNB0804200.

Branch details at a glance

PNB Loan Point - Ram - Berhampur Ganjam branch overview

Located at EHMU(GNJM)EHMU(GNJM)OEU, the PNB Loan Point - Ram - Berhampur Ganjam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0804200 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 PNB LOAN POINT - RAM - BERHAMPUR GANJAM branch came to be assigned the code PUNB0804200.

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 PUNB0804200, money simply cannot be routed to the PNB LOAN POINT - RAM - BERHAMPUR GANJAM branch electronically.

Account types you can open at the PNB Loan Point - Ram - Berhampur Ganjam branch

Once you have an account at Punjab National Bank – PNB LOAN POINT - RAM - BERHAMPUR GANJAM, the IFSC PUNB0804200 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.

Banking services available

The PNB Loan Point - Ram - Berhampur Ganjam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 11-23765326.

• 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 PUNB0804200

How to transfer money using IFSC PUNB0804200

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 PUNB0804200 across all three.

NEFT to Punjab National Bank, PNB LOAN POINT - RAM - BERHAMPUR GANJAM using IFSC PUNB0804200

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 PUNB0804200, and confirm that the system picks up Punjab National Bank – PNB LOAN POINT - RAM - BERHAMPUR GANJAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PUNB0804200

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 – PNB LOAN POINT - RAM - BERHAMPUR GANJAM, ensure your bank's portal accepts IFSC PUNB0804200 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank PNB LOAN POINT - RAM - BERHAMPUR GANJAM (IFSC PUNB0804200)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0804200 in your mobile or internet banking app, and the money is credited to the PNB LOAN POINT - RAM - BERHAMPUR GANJAM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to PNB Loan Point - Ram - Berhampur Ganjam

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 PUNB0804200:

• 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 PNB LOAN POINT - RAM - BERHAMPUR GANJAM is still linked to IFSC PUNB0804200.

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 PNB LOAN POINT - RAM - BERHAMPUR GANJAM branch, the IFSC PUNB0804200 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.

Online banking and IFSC PUNB0804200

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the PNB LOAN POINT - RAM - BERHAMPUR GANJAM 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 PUNB0804200 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 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 PUNB0804200 and the account number together uniquely identify the PNB Loan Point - Ram - Berhampur Ganjam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC PUNB0804200

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 – PNB LOAN POINT - RAM - BERHAMPUR GANJAM, 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: PUNB0804200.
• 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.

How to reach the PNB Loan Point - Ram - Berhampur Ganjam branch

The branch is located at EHMU(GNJM)EHMU(GNJM)OEU, which puts it inside Berhampur, the broader Berhampur district, and the state of Odisha. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank PNB Loan Point - Ram - Berhampur Ganjam branch” — the verified location pin for IFSC PUNB0804200 should appear at the top of the results.
2. Confirm the branch is open by calling 11-23765326 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 PUNB0804200 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0804200 for Punjab National Bank – PNB LOAN POINT - RAM - BERHAMPUR GANJAM, 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 PNB Loan Point - Ram - Berhampur Ganjam 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 PUNB0804200 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0804200 belongs to Punjab National Bank's PNB LOAN POINT - RAM - BERHAMPUR GANJAM branch, located at EHMU(GNJM)EHMU(GNJM)OEU in BERHAMPUR, ODISHA. 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.