IFSC Code of Punjab National Bank, Bishnupur Midnipur Branch, West Bengal

If you are searching for the IFSC code of Punjab National Bank, BISHNUPUR MIDNIPUR branch in BISHNUPUR MIDNAPUR, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is PUNB0136920. 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 BISHNUPUR MIDNIPUR branch, and detailed step-by-step guides for using the IFSC PUNB0136920 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.

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 – BISHNUPUR MIDNIPUR is PUNB0136920. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 136920 map to this branch in BISHNUPUR MIDNAPUR, WEST BENGAL.

Branch details at a glance

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Bishnupur Midnipur branch in Bishnupur Midnapur. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, PUNB0136920.

Bishnupur Midnipur branch overview

Located at VILL BISHNUPUR,P.O BISHNUPUR BAZAR, the Bishnupur Midnipur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0136920 is required for all interbank electronic transfers routed through this branch.

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 BISHNUPUR MIDNIPUR of Punjab National Bank — its own 11-character IFSC. The code PUNB0136920 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 PUNB0136920 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC PUNB0136920

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 PUNB0136920 across all three.

NEFT to Punjab National Bank, BISHNUPUR MIDNIPUR using IFSC PUNB0136920

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 PUNB0136920, and confirm that the system picks up Punjab National Bank – BISHNUPUR MIDNIPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BISHNUPUR MIDNIPUR

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's BISHNUPUR MIDNIPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0136920 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank BISHNUPUR MIDNIPUR (IFSC PUNB0136920)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0136920 in your mobile or internet banking app, and the money is credited to the BISHNUPUR MIDNIPUR branch account within seconds.

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

All three modes accept the IFSC PUNB0136920 for Punjab National Bank – BISHNUPUR MIDNIPUR, 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 Bishnupur Midnipur 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 PUNB0136920

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 – BISHNUPUR MIDNIPUR is still mapped to IFSC PUNB0136920. 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 PUNB0136920 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Bishnupur Midnipur branch is mapped to IFSC PUNB0136920 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 PUNB0136920.

Products and services

Customers walking into the Bishnupur Midnipur 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 PUNB0136920

MICR & cheque-truncation details

Cheques drawn on the Bishnupur Midnipur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0136920 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC PUNB0136920

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the BISHNUPUR MIDNIPUR 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 PUNB0136920 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.

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 – BISHNUPUR MIDNIPUR:

• The IFSC is exactly PUNB0136920 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 BISHNUPUR MIDNIPUR 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.

How to reach the Bishnupur Midnipur branch

The branch is located at VILL BISHNUPUR,P.O BISHNUPUR BAZAR, which puts it inside Bishnupur Midnapur, the broader Medinipur district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Bishnupur Midnipur branch” — the verified location pin for IFSC PUNB0136920 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 PUNB0136920 and your account number.

Verifying IFSC PUNB0136920 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 PUNB0136920 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 Bishnupur Midnipur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0136920, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0136920 belongs to Punjab National Bank's BISHNUPUR MIDNIPUR branch, located at VILL BISHNUPUR,P.O BISHNUPUR BAZAR in BISHNUPUR MIDNAPUR, WEST BENGAL. 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.