Below are the complete branch details for Punjab National Bank, BIRMITRAPUR branch, located in BIRMITRAPUR, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0025320. 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 PUNB0025320 for Punjab National Bank – BIRMITRAPUR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 BIRMITRAPUR branch, the IFSC PUNB0025320 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 025320 identifies this particular branch.
About the bank
Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Birmitrapur branch in Birmitrapur, Odisha is part of this network and uses the IFSC code PUNB0025320 for all electronic settlement.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Birmitrapur |
| IFSC Code | PUNB0025320 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MAIN RD.BIRMITRAPUR,SUNDARGARH |
| City | Birmitrapur |
| District | Sundergarh |
| State | Odisha |
About this branch
The branch is located at MAIN RD.BIRMITRAPUR,SUNDARGARH. It serves the Birmitrapur 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 PUNB0025320 is used to identify this branch on the RBI payments network.
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 BIRMITRAPUR of Punjab National Bank — its own 11-character IFSC. The code PUNB0025320 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 PUNB0025320 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Birmitrapur branch is mapped to IFSC PUNB0025320 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 PUNB0025320.
Banking services available
The Birmitrapur 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 PUNB0025320
How to transfer money using IFSC PUNB0025320
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 PUNB0025320 across all three.
How to use IFSC PUNB0025320 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's BIRMITRAPUR 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC PUNB0025320.
- Confirm the bank name auto-populates as Punjab National Bank and the branch as BIRMITRAPUR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC PUNB0025320
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 – BIRMITRAPUR, ensure your bank's portal accepts IFSC PUNB0025320 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Punjab National Bank – BIRMITRAPUR, use IMPS. With IFSC PUNB0025320 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0025320 for Punjab National Bank – BIRMITRAPUR, 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 – PUNB0025320 | Yes – PUNB0025320 | Yes – PUNB0025320 |
For most retail customers crediting the Birmitrapur 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 PUNB0025320
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 – BIRMITRAPUR is still mapped to IFSC PUNB0025320. 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 PUNB0025320 and the beneficiary's account number to complete the transfer.
Online banking and IFSC PUNB0025320
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the BIRMITRAPUR 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 PUNB0025320 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 & cheque-truncation details
Cheques drawn on the Birmitrapur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0025320 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC PUNB0025320
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 – BIRMITRAPUR, 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:
PUNB0025320. - 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 Birmitrapur branch
The branch is located at MAIN RD.BIRMITRAPUR,SUNDARGARH, which puts it inside Birmitrapur, the broader Sundergarh district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Birmitrapur branch” — the verified location pin for IFSC PUNB0025320 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 PUNB0025320 and your account number.
Verifying IFSC PUNB0025320 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 PUNB0025320 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- Visiting the bank's official branch locator page.
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 Birmitrapur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0025320, however, work 24x7.
Branch address & contact
Punjab National BankBirmitrapur Branch
MAIN RD.BIRMITRAPUR,SUNDARGARH
Birmitrapur, Odisha
Phone: the branch contact number
IFSC: PUNB0025320
Frequently asked questions
Does Punjab National Bank Birmitrapur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
How do I add Punjab National Bank Birmitrapur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0025320, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Punjab National Bank Birmitrapur branch?
The IFSC code of Punjab National Bank, Birmitrapur branch is PUNB0025320. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Punjab National Bank Birmitrapur branch located?
Punjab National Bank's Birmitrapur branch is located at MAIN RD.BIRMITRAPUR,SUNDARGARH, Birmitrapur, Odisha.
Can I use IFSC PUNB0025320 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0025320 to send funds instantly.
What is the phone number of Punjab National Bank Birmitrapur branch?
You can reach the branch at the branch contact number during regular banking hours.
Final notes
To recap: PUNB0025320 is the IFSC code of Punjab National Bank, BIRMITRAPUR branch, in BIRMITRAPUR, ODISHA. 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.
