IFSC Code of Punjab National Bank, Bhagalpur Bazar,Distt-Bhagalpu Branch, Bihar

If you are searching for the IFSC code of Punjab National Bank, BHAGALPUR BAZAR,DISTT-BHAGALPU branch in BHAGALPUR, BIHAR, this page has every detail you need. The verified IFSC code for this branch is PUNB0196600. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the BHAGALPUR BAZAR,DISTT-BHAGALPU branch, and detailed step-by-step guides for using the IFSC PUNB0196600 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 – BHAGALPUR BAZAR,DISTT-BHAGALPU is PUNB0196600. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 196600 map to this branch in BHAGALPUR, BIHAR.

Branch details at a glance

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Bhagalpur Bazar,Distt-Bhagalpu branch — IFSC PUNB0196600 — extends the bank's services to customers in and around Bhagalpur, Bihar.

About this branch

The branch is located at D.N. SINGH ROAD,. It serves the Bhagalpur 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 PUNB0196600 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 BHAGALPUR BAZAR,DISTT-BHAGALPU of Punjab National Bank — its own 11-character IFSC. The code PUNB0196600 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 PUNB0196600 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 PUNB0196600

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 PUNB0196600 across all three.

NEFT to Punjab National Bank, BHAGALPUR BAZAR,DISTT-BHAGALPU using IFSC PUNB0196600

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 PUNB0196600, and confirm that the system picks up Punjab National Bank – BHAGALPUR BAZAR,DISTT-BHAGALPU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BHAGALPUR BAZAR,DISTT-BHAGALPU

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's BHAGALPUR BAZAR,DISTT-BHAGALPU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0196600 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank BHAGALPUR BAZAR,DISTT-BHAGALPU (IFSC PUNB0196600)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0196600 in your mobile or internet banking app, and the money is credited to the BHAGALPUR BAZAR,DISTT-BHAGALPU branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC PUNB0196600 for Punjab National Bank – BHAGALPUR BAZAR,DISTT-BHAGALPU, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Bhagalpur Bazar,Distt-Bhagalpu branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC PUNB0196600

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 – BHAGALPUR BAZAR,DISTT-BHAGALPU is still mapped to IFSC PUNB0196600. 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 PUNB0196600 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Bhagalpur Bazar,Distt-Bhagalpu branch is mapped to IFSC PUNB0196600 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 PUNB0196600.

Products and services

Customers walking into the Bhagalpur Bazar,Distt-Bhagalpu 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 PUNB0196600

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 PUNB0196600 and the account number together uniquely identify the Bhagalpur Bazar,Distt-Bhagalpu 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 Bhagalpur Bazar,Distt-Bhagalpu 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 PUNB0196600 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 – BHAGALPUR BAZAR,DISTT-BHAGALPU:

• The IFSC is exactly PUNB0196600 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 BHAGALPUR BAZAR,DISTT-BHAGALPU 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 Bhagalpur Bazar,Distt-Bhagalpu branch sits at D.N. SINGH ROAD,. If you are travelling from outside Bhagalpur, 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 PUNB0196600 and your account number.

Verifying IFSC PUNB0196600 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 PUNB0196600 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.

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 Bhagalpur Bazar,Distt-Bhagalpu branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0196600, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0196600 is the IFSC code of Punjab National Bank, BHAGALPUR BAZAR,DISTT-BHAGALPU branch, in BHAGALPUR, BIHAR. 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.