IFSC Code of Punjab National Bank, Sahbajpur, Distt. Bhabua ,Biha Branch, Bihar

Use this page as a one-stop reference for everything related to Punjab National Bank's SAHBAJPUR, DISTT. BHABUA ,BIHA branch in BHABHUA ,BIHAR, BIHAR. The branch's IFSC code PUNB0283000 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, PUNB0283000 is the IFSC of Punjab National Bank's SAHBAJPUR, DISTT. BHABUA ,BIHA branch. The format is fixed: PUNB = bank code, 0 = reserved, 283000 = branch identifier.

About the bank

Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Sahbajpur, Distt. Bhabua ,Biha branch in Bhabhua ,Bihar, Bihar is part of this network and uses the IFSC code PUNB0283000 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at SAHBAJPUR, DISTT. BHABUA (BIHA. It serves the Bhabhua ,Bihar 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 PUNB0283000 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 SAHBAJPUR, DISTT. BHABUA ,BIHA of Punjab National Bank — its own 11-character IFSC. The code PUNB0283000 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 PUNB0283000 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Sahbajpur, Distt. Bhabua ,Biha branch

Once you have an account at Punjab National Bank – SAHBAJPUR, DISTT. BHABUA ,BIHA, the IFSC PUNB0283000 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 Sahbajpur, Distt. Bhabua ,Biha 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 PUNB0283000

How to transfer money using IFSC PUNB0283000

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 PUNB0283000 across all three.

NEFT to Punjab National Bank, SAHBAJPUR, DISTT. BHABUA ,BIHA using IFSC PUNB0283000

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 PUNB0283000, and confirm that the system picks up Punjab National Bank – SAHBAJPUR, DISTT. BHABUA ,BIHA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SAHBAJPUR, DISTT. BHABUA ,BIHA

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's SAHBAJPUR, DISTT. BHABUA ,BIHA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0283000 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank SAHBAJPUR, DISTT. BHABUA ,BIHA (IFSC PUNB0283000)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0283000 in your mobile or internet banking app, and the money is credited to the SAHBAJPUR, DISTT. BHABUA ,BIHA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Sahbajpur, Distt. Bhabua ,Biha

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 PUNB0283000:

• 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 SAHBAJPUR, DISTT. BHABUA ,BIHA is still linked to IFSC PUNB0283000.

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 SAHBAJPUR, DISTT. BHABUA ,BIHA branch, the IFSC PUNB0283000 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 PUNB0283000

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the SAHBAJPUR, DISTT. BHABUA ,BIHA 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 PUNB0283000 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 Sahbajpur, Distt. Bhabua ,Biha branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0283000 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 – SAHBAJPUR, DISTT. BHABUA ,BIHA:

• The IFSC is exactly PUNB0283000 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 SAHBAJPUR, DISTT. BHABUA ,BIHA 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 Sahbajpur, Distt. Bhabua ,Biha branch sits at SAHBAJPUR, DISTT. BHABUA (BIHA. If you are travelling from outside Bhabhua ,Bihar, 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 PUNB0283000 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0283000 for Punjab National Bank – SAHBAJPUR, DISTT. BHABUA ,BIHA, 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 banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Sahbajpur, Distt. Bhabua ,Biha branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0283000, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0283000 belongs to Punjab National Bank's SAHBAJPUR, DISTT. BHABUA ,BIHA branch, located at SAHBAJPUR, DISTT. BHABUA (BIHA in BHABHUA ,BIHAR, BIHAR. 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.