Use this page as a one-stop reference for everything related to Punjab National Bank's BHIMPUR branch in BHIMPUR ,W.B, WEST BENGAL. The branch's IFSC code PUNB0165200 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.
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 – BHIMPUR is PUNB0165200. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 165200 map to this branch in BHIMPUR ,W.B, WEST BENGAL.
About Punjab National Bank
Punjab National Bank operates a wide network of branches across India, including the Bhimpur branch in Bhimpur ,W.B. 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, PUNB0165200.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Bhimpur |
| IFSC Code | PUNB0165200 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL - BHIMPUR, PASCHIM MIDNAPORE |
| City | Bhimpur ,W.B |
| District | Bhimpur (w.B) |
| State | West Bengal |
About this branch
The branch is located at VILL - BHIMPUR, PASCHIM MIDNAPORE. It serves the Bhimpur ,W.B 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 PUNB0165200 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 BHIMPUR branch came to be assigned the code PUNB0165200.
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 PUNB0165200, money simply cannot be routed to the BHIMPUR branch electronically.
Account types you can open at the Bhimpur branch
Once you have an account at Punjab National Bank – BHIMPUR, the IFSC PUNB0165200 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 Bhimpur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- 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 PUNB0165200
How to transfer money using IFSC PUNB0165200
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 PUNB0165200 across all three.
How to use IFSC PUNB0165200 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's BHIMPUR branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC PUNB0165200.
- Confirm the bank name auto-populates as Punjab National Bank and the branch as BHIMPUR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC PUNB0165200
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 – BHIMPUR, ensure your bank's portal accepts IFSC PUNB0165200 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Punjab National Bank BHIMPUR (IFSC PUNB0165200)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0165200 in your mobile or internet banking app, and the money is credited to the BHIMPUR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0165200 for Punjab National Bank – BHIMPUR, 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 – PUNB0165200 | Yes – PUNB0165200 | Yes – PUNB0165200 |
For most retail customers crediting the Bhimpur 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 PUNB0165200
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 – BHIMPUR is still mapped to IFSC PUNB0165200. 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 PUNB0165200 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Bhimpur 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 PUNB0165200 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.
MICR & cheque-truncation details
Cheques drawn on the Bhimpur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0165200 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 – BHIMPUR:
- The IFSC is exactly PUNB0165200 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 BHIMPUR 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 Bhimpur branch
The branch is located at VILL - BHIMPUR, PASCHIM MIDNAPORE, which puts it inside Bhimpur ,W.B, the broader Bhimpur (w.B) district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Bhimpur branch” — the verified location pin for IFSC PUNB0165200 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number 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 PUNB0165200 and your account number.
Verifying IFSC PUNB0165200 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 PUNB0165200 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 Bhimpur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0165200, however, work 24x7.
Branch address & contact
Punjab National BankBhimpur Branch
VILL - BHIMPUR, PASCHIM MIDNAPORE
Bhimpur ,W.B, West Bengal
Phone: the branch contact number
IFSC: PUNB0165200
Frequently asked questions
What is the IFSC code of Punjab National Bank Bhimpur branch?
The IFSC code of Punjab National Bank, Bhimpur branch is PUNB0165200. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Punjab National Bank Bhimpur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Where is Punjab National Bank Bhimpur branch located?
Punjab National Bank's Bhimpur branch is located at VILL - BHIMPUR, PASCHIM MIDNAPORE, Bhimpur ,W.B, West Bengal.
Can I use IFSC PUNB0165200 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0165200 to send funds instantly.
How quickly will an NEFT transfer using PUNB0165200 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Bhimpur reflect within 30 minutes.
How do I add Punjab National Bank Bhimpur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0165200, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC PUNB0165200 the same for all accounts at Bhimpur branch?
Yes. The IFSC PUNB0165200 is shared by every account held at Punjab National Bank's Bhimpur branch. Only the account number changes from customer to customer.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Bhimpur branch but serve different purposes.
Summary
The IFSC code PUNB0165200 belongs to Punjab National Bank's BHIMPUR branch, located at VILL - BHIMPUR, PASCHIM MIDNAPORE in BHIMPUR ,W.B, 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.
