IFSC Code of Punjab National Bank, PNB Loan Point - Ram - Bikaner Branch, Uttar Pradesh

If you are searching for the IFSC code of Punjab National Bank, PNB LOAN POINT - RAM - BIKANER branch in BIKANER, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is PUNB0806800. 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 PNB LOAN POINT - RAM - BIKANER branch, and detailed step-by-step guides for using the IFSC PUNB0806800 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Punjab National Bank's PNB LOAN POINT - RAM - BIKANER branch, the IFSC PUNB0806800 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 806800 identifies this particular branch.

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the PNB Loan Point - Ram - Bikaner branch in Bikaner. 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, PUNB0806800.

Branch details at a glance

PNB Loan Point - Ram - Bikaner branch overview

Located at NONOINT-RM-IKNERUIKN, the PNB Loan Point - Ram - Bikaner branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0806800 is required for all interbank electronic transfers routed through this branch.

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 PNB LOAN POINT - RAM - BIKANER branch came to be assigned the code PUNB0806800.

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 PUNB0806800, money simply cannot be routed to the PNB LOAN POINT - RAM - BIKANER branch electronically.

Account types you can open at the PNB Loan Point - Ram - Bikaner branch

Once you have an account at Punjab National Bank – PNB LOAN POINT - RAM - BIKANER, the IFSC PUNB0806800 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 PNB Loan Point - Ram - Bikaner branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 11-23765326.

• 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 PUNB0806800

How to transfer money using IFSC PUNB0806800

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 PUNB0806800 across all three.

How to use IFSC PUNB0806800 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's PNB LOAN POINT - RAM - BIKANER 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC PUNB0806800.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as PNB LOAN POINT - RAM - BIKANER.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC PUNB0806800

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 – PNB LOAN POINT - RAM - BIKANER, ensure your bank's portal accepts IFSC PUNB0806800 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank PNB LOAN POINT - RAM - BIKANER (IFSC PUNB0806800)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0806800 in your mobile or internet banking app, and the money is credited to the PNB LOAN POINT - RAM - BIKANER branch account within seconds.

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

All three modes accept the IFSC PUNB0806800 for Punjab National Bank – PNB LOAN POINT - RAM - BIKANER, 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 PNB Loan Point - Ram - Bikaner 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 PUNB0806800

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 – PNB LOAN POINT - RAM - BIKANER is still mapped to IFSC PUNB0806800. 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 PUNB0806800 and the beneficiary's account number to complete the transfer.

Online banking and IFSC PUNB0806800

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the PNB LOAN POINT - RAM - BIKANER 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 PUNB0806800 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 PUNB0806800 and the account number together uniquely identify the PNB Loan Point - Ram - Bikaner branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – PNB LOAN POINT - RAM - BIKANER:

• The IFSC is exactly PUNB0806800 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 PNB LOAN POINT - RAM - BIKANER 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 PNB Loan Point - Ram - Bikaner branch

The branch is located at NONOINT-RM-IKNERUIKN, which puts it inside Bikaner, the broader Bikaner district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank PNB Loan Point - Ram - Bikaner branch” — the verified location pin for IFSC PUNB0806800 should appear at the top of the results.
2. Confirm the branch is open by calling 11-23765326 before stepping out, especially around public holidays.
3. 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 PUNB0806800 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0806800 for Punjab National Bank – PNB LOAN POINT - RAM - BIKANER, 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.

Working hours

Branch counters at PNB Loan Point - Ram - Bikaner 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 PUNB0806800 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0806800 belongs to Punjab National Bank's PNB LOAN POINT - RAM - BIKANER branch, located at NONOINT-RM-IKNERUIKN in BIKANER, 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.