Use this page as a one-stop reference for everything related to Punjab National Bank's BHINGA, U.P. branch in BHINGA ,UP, UTTAR PRADESH. The branch's IFSC code PUNB0415900 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, PUNB0415900 is the IFSC of Punjab National Bank's BHINGA, U.P. branch. The format is fixed: PUNB = bank code, 0 = reserved, 415900 = 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 Bhinga, U.P. branch in Bhinga ,Up, Uttar Pradesh is part of this network and uses the IFSC code PUNB0415900 for all electronic settlement.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Bhinga, U.P. |
| IFSC Code | PUNB0415900 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NAI BAZAR, BHINGA DIST- SHRAWASTI |
| City | Bhinga ,Up |
| District | Bhinga (up) |
| State | Uttar Pradesh |
About the Bhinga, U.P. branch
The Bhinga, U.P. branch of Punjab National Bank is situated at NAI BAZAR, BHINGA DIST- SHRAWASTI. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code PUNB0415900 is used.
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 BHINGA, U.P. branch came to be assigned the code PUNB0415900.
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 PUNB0415900, money simply cannot be routed to the BHINGA, U.P. branch electronically.
Products and account variants supported
Every account opened at the Bhinga, U.P. branch is mapped to IFSC PUNB0415900 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 PUNB0415900.
Banking services available
The Bhinga, U.P. 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 PUNB0415900
How to transfer money using IFSC PUNB0415900
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 PUNB0415900 across all three.
How to use IFSC PUNB0415900 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's BHINGA, U.P. 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 PUNB0415900.
- Confirm the bank name auto-populates as Punjab National Bank and the branch as BHINGA, U.P..
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC PUNB0415900
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 – BHINGA, U.P., ensure your bank's portal accepts IFSC PUNB0415900 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Punjab National Bank – BHINGA, U.P., use IMPS. With IFSC PUNB0415900 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0415900 for Punjab National Bank – BHINGA, U.P., 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 – PUNB0415900 | Yes – PUNB0415900 | Yes – PUNB0415900 |
For most retail customers crediting the Bhinga, U.P. 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 BHINGA, U.P. branch, the IFSC PUNB0415900 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 PUNB0415900
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the BHINGA, U.P. 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 PUNB0415900 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 PUNB0415900 and the account number together uniquely identify the Bhinga, U.P. 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 PUNB0415900
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 – BHINGA, U.P., 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:
PUNB0415900. - 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 Bhinga, U.P. branch
The branch is located at NAI BAZAR, BHINGA DIST- SHRAWASTI, which puts it inside Bhinga ,Up, the broader Bhinga (up) district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Bhinga, U.P. branch” — the verified location pin for IFSC PUNB0415900 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 PUNB0415900 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC PUNB0415900 for Punjab National Bank – BHINGA, U.P., 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 Bhinga, U.P. branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0415900, however, work 24x7.
Branch address & contact
Punjab National BankBhinga, U.P. Branch
NAI BAZAR, BHINGA DIST- SHRAWASTI
Bhinga ,Up, Uttar Pradesh
Phone: the branch contact number
IFSC: PUNB0415900
Frequently asked questions
Where is Punjab National Bank Bhinga, U.P. branch located?
Punjab National Bank's Bhinga, U.P. branch is located at NAI BAZAR, BHINGA DIST- SHRAWASTI, Bhinga ,Up, Uttar Pradesh.
Can I use IFSC PUNB0415900 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0415900 to send funds instantly.
What is the phone number of Punjab National Bank Bhinga, U.P. branch?
You can reach the branch at the branch contact number during regular banking hours.
How quickly will an NEFT transfer using PUNB0415900 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Bhinga, U.P. reflect within 30 minutes.
How do I add Punjab National Bank Bhinga, U.P. as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0415900, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Bhinga, U.P. branch but serve different purposes.
What is the IFSC code of Punjab National Bank Bhinga, U.P. branch?
The IFSC code of Punjab National Bank, Bhinga, U.P. branch is PUNB0415900. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC PUNB0415900 valid for NEFT and RTGS?
Yes. IFSC PUNB0415900 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code PUNB0415900 belongs to Punjab National Bank's BHINGA, U.P. branch, located at NAI BAZAR, BHINGA DIST- SHRAWASTI in BHINGA ,UP, UTTAR PRADESH. 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.
