If you are searching for the IFSC code of Punjab National Bank, BINJON branch in BINJON, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is PUNB0447200. 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 BINJON branch, and detailed step-by-step guides for using the IFSC PUNB0447200 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 BINJON branch, the IFSC PUNB0447200 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 447200 identifies this particular branch.
Bank profile
Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Binjon branch — IFSC PUNB0447200 — extends the bank's services to customers in and around Binjon, Punjab.
About this branch
The branch is located at VPO BINJON. It serves the Binjon 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 PUNB0447200 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Binjon |
| IFSC Code | PUNB0447200 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VPO BINJON |
| City | Binjon |
| District | Distt. Hoshiarpur (punjab) |
| State | Punjab |
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 BINJON of Punjab National Bank — its own 11-character IFSC. The code PUNB0447200 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 PUNB0447200 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Binjon branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0447200 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 PUNB0447200
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 PUNB0447200 across all three.
NEFT to Punjab National Bank, BINJON using IFSC PUNB0447200
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 PUNB0447200, and confirm that the system picks up Punjab National Bank – BINJON. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BINJON
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's BINJON branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0447200 while initiating the transfer and the credit will appear within minutes.
IMPS to Punjab National Bank BINJON (IFSC PUNB0447200)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0447200 in your mobile or internet banking app, and the money is credited to the BINJON branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0447200 for Punjab National Bank – BINJON, 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 – PUNB0447200 | Yes – PUNB0447200 | Yes – PUNB0447200 |
For most retail customers crediting the Binjon 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 BINJON branch, the IFSC PUNB0447200 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 Binjon branch is mapped to IFSC PUNB0447200 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 PUNB0447200.
Products and services
Customers walking into the Binjon branch can access most of Punjab National Bank's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC PUNB0447200
Online banking and IFSC PUNB0447200
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the BINJON 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 PUNB0447200 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 Binjon branch
The branch is located at VPO BINJON, which puts it inside Binjon, the broader Distt. Hoshiarpur (punjab) district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Binjon branch” — the verified location pin for IFSC PUNB0447200 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 PUNB0447200 and your account number.
Common mistakes to avoid when using IFSC PUNB0447200
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 – BINJON, 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:
PUNB0447200. - 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.
Working hours
Branch counters at Binjon 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 PUNB0447200 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC PUNB0447200 for Punjab National Bank – BINJON, 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
Punjab National BankBinjon Branch
VPO BINJON
Binjon, Punjab
Phone: the branch contact number
IFSC: PUNB0447200
Frequently asked questions
How do I add Punjab National Bank Binjon as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0447200, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Punjab National Bank Binjon branch?
You can reach the branch at the branch contact number during regular banking hours.
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 Binjon branch but serve different purposes.
What is the IFSC code of Punjab National Bank Binjon branch?
The IFSC code of Punjab National Bank, Binjon branch is PUNB0447200. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using PUNB0447200 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Binjon reflect within 30 minutes.
Is IFSC PUNB0447200 the same for all accounts at Binjon branch?
Yes. The IFSC PUNB0447200 is shared by every account held at Punjab National Bank's Binjon branch. Only the account number changes from customer to customer.
Can I use IFSC PUNB0447200 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0447200 to send funds instantly.
Final notes
To recap: PUNB0447200 is the IFSC code of Punjab National Bank, BINJON branch, in BINJON, PUNJAB. 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.
