IFSC Code of Punjab National Bank, Bikram, Distt. Patna ,Bihar Branch, Bihar

Use this page as a one-stop reference for everything related to Punjab National Bank's BIKRAM, DISTT. PATNA ,BIHAR branch in BIKRAM ,DISTT. PATNA, BIHAR. The branch's IFSC code PUNB0059300 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, PUNB0059300 is the IFSC of Punjab National Bank's BIKRAM, DISTT. PATNA ,BIHAR branch. The format is fixed: PUNB = bank code, 0 = reserved, 059300 = 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 Bikram, Distt. Patna ,Bihar branch in Bikram ,Distt. Patna, Bihar is part of this network and uses the IFSC code PUNB0059300 for all electronic settlement.

About this branch

The branch is located at BIKRAM. It serves the Bikram ,Distt. Patna 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 PUNB0059300 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 BIKRAM, DISTT. PATNA ,BIHAR branch came to be assigned the code PUNB0059300.

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 PUNB0059300, money simply cannot be routed to the BIKRAM, DISTT. PATNA ,BIHAR branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Bikram, Distt. Patna ,Bihar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0059300 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC PUNB0059300

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 PUNB0059300 across all three.

How to use IFSC PUNB0059300 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's BIKRAM, DISTT. PATNA ,BIHAR 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 PUNB0059300.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as BIKRAM, DISTT. PATNA ,BIHAR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to BIKRAM, DISTT. PATNA ,BIHAR

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's BIKRAM, DISTT. PATNA ,BIHAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0059300 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank BIKRAM, DISTT. PATNA ,BIHAR (IFSC PUNB0059300)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0059300 in your mobile or internet banking app, and the money is credited to the BIKRAM, DISTT. PATNA ,BIHAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bikram, Distt. Patna ,Bihar

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC PUNB0059300:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at BIKRAM, DISTT. PATNA ,BIHAR is still linked to IFSC PUNB0059300.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

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 BIKRAM, DISTT. PATNA ,BIHAR branch, the IFSC PUNB0059300 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.

Account types you can open at the Bikram, Distt. Patna ,Bihar branch

Once you have an account at Punjab National Bank – BIKRAM, DISTT. PATNA ,BIHAR, the IFSC PUNB0059300 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 Bikram, Distt. Patna ,Bihar 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 PUNB0059300

Online banking and IFSC PUNB0059300

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the BIKRAM, DISTT. PATNA ,BIHAR 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 PUNB0059300 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.

How to reach the Bikram, Distt. Patna ,Bihar branch

The branch is located at BIKRAM, which puts it inside Bikram ,Distt. Patna, the broader Distt. Patna district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Bikram, Distt. Patna ,Bihar branch” — the verified location pin for IFSC PUNB0059300 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 PUNB0059300 and your account number.

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 – BIKRAM, DISTT. PATNA ,BIHAR:

• The IFSC is exactly PUNB0059300 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 BIKRAM, DISTT. PATNA ,BIHAR 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.

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 Bikram, Distt. Patna ,Bihar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0059300, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0059300 for Punjab National Bank – BIKRAM, DISTT. PATNA ,BIHAR, 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 address & contact

Frequently asked questions

Final notes

To recap: PUNB0059300 is the IFSC code of Punjab National Bank, BIKRAM, DISTT. PATNA ,BIHAR branch, in BIKRAM ,DISTT. PATNA, 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.