IFSC Code of Punjab National Bank, Cirlce Office Bilaspur Branch, Chhattisgarh

Use this page as a one-stop reference for everything related to Punjab National Bank's CIRLCE OFFICE BILASPUR branch in BILASPUR, CHHATTISGARH. The branch's IFSC code PUNB0999400 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 – CIRLCE OFFICE BILASPUR is PUNB0999400. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 999400 map to this branch in BILASPUR, CHHATTISGARH.

Branch details at a glance

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Cirlce Office Bilaspur branch — IFSC PUNB0999400 — extends the bank's services to customers in and around Bilaspur, Chhattisgarh.

About the Cirlce Office Bilaspur branch

The Cirlce Office Bilaspur branch of Punjab National Bank is situated at PLOT NO A 48 RING ROAD NO 2 GAURAV PATH BILASPUR CHATTISGARH 495001. 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 PUNB0999400 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 CIRLCE OFFICE BILASPUR branch came to be assigned the code PUNB0999400.

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 PUNB0999400, money simply cannot be routed to the CIRLCE OFFICE BILASPUR branch electronically.

How to transfer money using IFSC PUNB0999400

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 PUNB0999400 across all three.

NEFT to Punjab National Bank, CIRLCE OFFICE BILASPUR using IFSC PUNB0999400

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 PUNB0999400, and confirm that the system picks up Punjab National Bank – CIRLCE OFFICE BILASPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CIRLCE OFFICE BILASPUR

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's CIRLCE OFFICE BILASPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0999400 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank CIRLCE OFFICE BILASPUR (IFSC PUNB0999400)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0999400 in your mobile or internet banking app, and the money is credited to the CIRLCE OFFICE BILASPUR branch account within seconds.

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

All three modes accept the IFSC PUNB0999400 for Punjab National Bank – CIRLCE OFFICE BILASPUR, 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 Cirlce Office Bilaspur 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 CIRLCE OFFICE BILASPUR branch, the IFSC PUNB0999400 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.

Products and account variants supported

Every account opened at the Cirlce Office Bilaspur branch is mapped to IFSC PUNB0999400 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 PUNB0999400.

Banking services available

The Cirlce Office Bilaspur 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 PUNB0999400

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 PUNB0999400 and the account number together uniquely identify the Cirlce Office Bilaspur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC PUNB0999400

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the CIRLCE OFFICE BILASPUR 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 PUNB0999400 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.

Common mistakes to avoid when using IFSC PUNB0999400

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 – CIRLCE OFFICE BILASPUR, 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: PUNB0999400.
• 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 Cirlce Office Bilaspur branch

The branch is located at PLOT NO A 48 RING ROAD NO 2 GAURAV PATH BILASPUR CHATTISGARH 495001, which puts it inside Bilaspur, the broader Bilaspur district, and the state of Chhattisgarh. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Cirlce Office Bilaspur branch” — the verified location pin for IFSC PUNB0999400 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 PUNB0999400 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0999400 for Punjab National Bank – CIRLCE OFFICE BILASPUR, 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 Cirlce Office Bilaspur 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 PUNB0999400 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0999400 belongs to Punjab National Bank's CIRLCE OFFICE BILASPUR branch, located at PLOT NO A 48 RING ROAD NO 2 GAURAV PATH BILASPUR CHATTISGARH 495001 in BILASPUR, CHHATTISGARH. 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.