IFSC Code of Punjab National Bank, Bilaspur, Distt. Bilaspur - Hp Branch, Himachal Pradesh

Below are the complete branch details for Punjab National Bank, BILASPUR, DISTT. BILASPUR - HP branch, located in BILASPUR - HP, HIMACHAL PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0182010. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case PUNB0182010 for Punjab National Bank – BILASPUR, DISTT. BILASPUR - HP — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – BILASPUR, DISTT. BILASPUR - HP is PUNB0182010. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 182010 map to this branch in BILASPUR - HP, HIMACHAL PRADESH.

About the bank

Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bilaspur, Distt. Bilaspur - Hp branch in Bilaspur - Hp, Himachal Pradesh is part of this network and uses the IFSC code PUNB0182010 for all electronic settlement.

Bilaspur, Distt. Bilaspur - Hp branch overview

Located at SHOP 20A, LOWER MAIN M BILASPUR, DISTT. BILAS 174001, the Bilaspur, Distt. Bilaspur - Hp branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0182010 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

Why every Punjab National Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including BILASPUR, DISTT. BILASPUR - HP of Punjab National Bank — its own 11-character IFSC. The code PUNB0182010 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC PUNB0182010 the same way you would treat your account number — verify it once and save it carefully for future use.

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 PUNB0182010 and the account number together uniquely identify the Bilaspur, Distt. Bilaspur - Hp branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC PUNB0182010

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 PUNB0182010 across all three.

NEFT to Punjab National Bank, BILASPUR, DISTT. BILASPUR - HP using IFSC PUNB0182010

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 PUNB0182010, and confirm that the system picks up Punjab National Bank – BILASPUR, DISTT. BILASPUR - HP. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PUNB0182010

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 – BILASPUR, DISTT. BILASPUR - HP, ensure your bank's portal accepts IFSC PUNB0182010 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank BILASPUR, DISTT. BILASPUR - HP (IFSC PUNB0182010)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0182010 in your mobile or internet banking app, and the money is credited to the BILASPUR, DISTT. BILASPUR - HP branch account within seconds.

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

All three modes accept the IFSC PUNB0182010 for Punjab National Bank – BILASPUR, DISTT. BILASPUR - HP, 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 Bilaspur, Distt. Bilaspur - Hp 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 PUNB0182010

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 – BILASPUR, DISTT. BILASPUR - HP is still mapped to IFSC PUNB0182010. 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 PUNB0182010 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Bilaspur, Distt. Bilaspur - Hp branch is mapped to IFSC PUNB0182010 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 PUNB0182010.

Banking services available

The Bilaspur, Distt. Bilaspur - Hp branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1978-221236.

• 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 PUNB0182010

Online banking and IFSC PUNB0182010

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the BILASPUR, DISTT. BILASPUR - HP 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 PUNB0182010 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.

Reaching the branch

The Bilaspur, Distt. Bilaspur - Hp branch sits at SHOP 20A, LOWER MAIN M BILASPUR, DISTT. BILAS 174001. If you are travelling from outside Bilaspur - Hp, search for the branch on a maps application using the bank name and locality, or call 1978-221236 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC PUNB0182010 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 – BILASPUR, DISTT. BILASPUR - HP:

• The IFSC is exactly PUNB0182010 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 BILASPUR, DISTT. BILASPUR - HP 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 Bilaspur, Distt. Bilaspur - Hp branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0182010, however, work 24x7.

Verifying IFSC PUNB0182010 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 PUNB0182010 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1978-221236.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0182010 is the IFSC code of Punjab National Bank, BILASPUR, DISTT. BILASPUR - HP branch, in BILASPUR - HP, HIMACHAL PRADESH. 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.