IFSC Code of Punjab National Bank, Brajrajnagar-Jharsuguda Branch, Odisha

Use this page as a one-stop reference for everything related to Punjab National Bank's BRAJRAJNAGAR-JHARSUGUDA branch in BRAJRAJNAGAR-ORISSA, ODISHA. The branch's IFSC code PUNB0169210 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 – BRAJRAJNAGAR-JHARSUGUDA is PUNB0169210. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 169210 map to this branch in BRAJRAJNAGAR-ORISSA, ODISHA.

About the bank

Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Brajrajnagar-Jharsuguda branch in Brajrajnagar-Orissa, Odisha is part of this network and uses the IFSC code PUNB0169210 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at TOWN UNIT NO.2, GANDHI BRAJRAJNAGAR, DISTT.- 768216. It serves the Brajrajnagar-Orissa 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 PUNB0169210 is used to identify this branch on the RBI payments network.

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 BRAJRAJNAGAR-JHARSUGUDA branch came to be assigned the code PUNB0169210.

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 PUNB0169210, money simply cannot be routed to the BRAJRAJNAGAR-JHARSUGUDA branch electronically.

Account types you can open at the Brajrajnagar-Jharsuguda branch

Once you have an account at Punjab National Bank – BRAJRAJNAGAR-JHARSUGUDA, the IFSC PUNB0169210 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Brajrajnagar-Jharsuguda branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6645-241025.

• 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 PUNB0169210

How to transfer money using IFSC PUNB0169210

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 PUNB0169210 across all three.

How to use IFSC PUNB0169210 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's BRAJRAJNAGAR-JHARSUGUDA 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC PUNB0169210.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as BRAJRAJNAGAR-JHARSUGUDA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to BRAJRAJNAGAR-JHARSUGUDA

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's BRAJRAJNAGAR-JHARSUGUDA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0169210 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank BRAJRAJNAGAR-JHARSUGUDA (IFSC PUNB0169210)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0169210 in your mobile or internet banking app, and the money is credited to the BRAJRAJNAGAR-JHARSUGUDA branch account within seconds.

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

All three modes accept the IFSC PUNB0169210 for Punjab National Bank – BRAJRAJNAGAR-JHARSUGUDA, 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 Brajrajnagar-Jharsuguda 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 BRAJRAJNAGAR-JHARSUGUDA branch, the IFSC PUNB0169210 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.

Online banking and IFSC PUNB0169210

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the BRAJRAJNAGAR-JHARSUGUDA 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 PUNB0169210 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 Brajrajnagar-Jharsuguda branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0169210 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – BRAJRAJNAGAR-JHARSUGUDA:

• The IFSC is exactly PUNB0169210 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 BRAJRAJNAGAR-JHARSUGUDA 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.

Reaching the branch

The Brajrajnagar-Jharsuguda branch sits at TOWN UNIT NO.2, GANDHI BRAJRAJNAGAR, DISTT.- 768216. If you are travelling from outside Brajrajnagar-Orissa, search for the branch on a maps application using the bank name and locality, or call 6645-241025 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 PUNB0169210 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0169210 for Punjab National Bank – BRAJRAJNAGAR-JHARSUGUDA, 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 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 Brajrajnagar-Jharsuguda branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0169210, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0169210 belongs to Punjab National Bank's BRAJRAJNAGAR-JHARSUGUDA branch, located at TOWN UNIT NO.2, GANDHI BRAJRAJNAGAR, DISTT.- 768216 in BRAJRAJNAGAR-ORISSA, ODISHA. 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.