If you are searching for the IFSC code of Punjab National Bank, RAPC BHATINDA branch in BHATINDA, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is PUNB0668400. 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 RAPC BHATINDA branch, and detailed step-by-step guides for using the IFSC PUNB0668400 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 – RAPC BHATINDA is PUNB0668400. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 668400 map to this branch in BHATINDA, PUNJAB.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Rapc Bhatinda |
| IFSC Code | PUNB0668400 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SCO 29-031 MODEL TOWN PHASE 1 |
| City | Bhatinda |
| District | Bhatinda |
| State | Punjab |
| STD Code | 11 |
| Phone | 23765326 |
About the bank
Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Rapc Bhatinda branch in Bhatinda, Punjab is part of this network and uses the IFSC code PUNB0668400 for all electronic settlement.
About this branch
The branch is located at SCO 29-031 MODEL TOWN PHASE 1. It serves the Bhatinda 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 PUNB0668400 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 RAPC BHATINDA branch came to be assigned the code PUNB0668400.
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 PUNB0668400, money simply cannot be routed to the RAPC BHATINDA branch electronically.
How to transfer money using IFSC PUNB0668400
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 PUNB0668400 across all three.
NEFT to Punjab National Bank, RAPC BHATINDA using IFSC PUNB0668400
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 PUNB0668400, and confirm that the system picks up Punjab National Bank – RAPC BHATINDA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to RAPC BHATINDA
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's RAPC BHATINDA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0668400 while initiating the transfer and the credit will appear within minutes.
IMPS to Punjab National Bank RAPC BHATINDA (IFSC PUNB0668400)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0668400 in your mobile or internet banking app, and the money is credited to the RAPC BHATINDA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0668400 for Punjab National Bank – RAPC BHATINDA, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – PUNB0668400 | Yes – PUNB0668400 | Yes – PUNB0668400 |
For most retail customers crediting the Rapc Bhatinda 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.
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 RAPC BHATINDA branch, the IFSC PUNB0668400 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 Rapc Bhatinda branch is mapped to IFSC PUNB0668400 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 PUNB0668400.
Products and services
Customers walking into the Rapc Bhatinda 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 PUNB0668400
MICR & cheque-truncation details
Cheques drawn on the Rapc Bhatinda branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0668400 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Rapc Bhatinda 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 PUNB0668400 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 – RAPC BHATINDA:
- The IFSC is exactly PUNB0668400 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 RAPC BHATINDA 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.
How to reach the Rapc Bhatinda branch
The branch is located at SCO 29-031 MODEL TOWN PHASE 1, which puts it inside Bhatinda, the broader Bhatinda district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Rapc Bhatinda branch” — the verified location pin for IFSC PUNB0668400 should appear at the top of the results.
- Confirm the branch is open by calling 11-23765326 before stepping out, especially around public holidays.
- 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 PUNB0668400 and your account number.
Verifying IFSC PUNB0668400 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 PUNB0668400 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 11-23765326.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Rapc Bhatinda 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 PUNB0668400 continue to work without interruption.
Branch address & contact
Punjab National BankRapc Bhatinda Branch
SCO 29-031 MODEL TOWN PHASE 1
Bhatinda, Punjab
Phone: 11-23765326
IFSC: PUNB0668400
Frequently asked questions
How do I add Punjab National Bank Rapc Bhatinda as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0668400, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Punjab National Bank Rapc Bhatinda branch located?
Punjab National Bank's Rapc Bhatinda branch is located at SCO 29-031 MODEL TOWN PHASE 1, Bhatinda, Punjab.
Is IFSC PUNB0668400 valid for NEFT and RTGS?
Yes. IFSC PUNB0668400 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC PUNB0668400 the same for all accounts at Rapc Bhatinda branch?
Yes. The IFSC PUNB0668400 is shared by every account held at Punjab National Bank's Rapc Bhatinda branch. Only the account number changes from customer to customer.
What is the phone number of Punjab National Bank Rapc Bhatinda branch?
You can reach the branch at 11-23765326 during regular banking hours.
What is the IFSC code of Punjab National Bank Rapc Bhatinda branch?
The IFSC code of Punjab National Bank, Rapc Bhatinda branch is PUNB0668400. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code PUNB0668400 belongs to Punjab National Bank's RAPC BHATINDA branch, located at SCO 29-031 MODEL TOWN PHASE 1 in BHATINDA, PUNJAB. 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.
