IFSC Code of Punjab National Bank, Burdwan Kanchannagar Rathtala Branch, West Bengal

Use this page as a one-stop reference for everything related to Punjab National Bank's BURDWAN KANCHANNAGAR RATHTALA branch in BURDWAN-KANCHAN NAGAR RATHTALA, WEST BENGAL. The branch's IFSC code PUNB0138920 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, PUNB0138920 is the IFSC of Punjab National Bank's BURDWAN KANCHANNAGAR RATHTALA branch. The format is fixed: PUNB = bank code, 0 = reserved, 138920 = branch identifier.

Branch details at a glance

About the bank

Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Burdwan Kanchannagar Rathtala branch in Burdwan-Kanchan Nagar Rathtala, West Bengal is part of this network and uses the IFSC code PUNB0138920 for all electronic settlement.

Burdwan Kanchannagar Rathtala branch overview

Located at RATHTALA , P.O KANCHAN,DT. BURDWAN WB, the Burdwan Kanchannagar Rathtala branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0138920 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 BURDWAN KANCHANNAGAR RATHTALA of Punjab National Bank — its own 11-character IFSC. The code PUNB0138920 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 PUNB0138920 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 PUNB0138920

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 PUNB0138920 across all three.

NEFT to Punjab National Bank, BURDWAN KANCHANNAGAR RATHTALA using IFSC PUNB0138920

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 PUNB0138920, and confirm that the system picks up Punjab National Bank – BURDWAN KANCHANNAGAR RATHTALA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BURDWAN KANCHANNAGAR RATHTALA

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's BURDWAN KANCHANNAGAR RATHTALA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0138920 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank BURDWAN KANCHANNAGAR RATHTALA (IFSC PUNB0138920)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0138920 in your mobile or internet banking app, and the money is credited to the BURDWAN KANCHANNAGAR RATHTALA branch account within seconds.

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

All three modes accept the IFSC PUNB0138920 for Punjab National Bank – BURDWAN KANCHANNAGAR RATHTALA, 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 Burdwan Kanchannagar Rathtala 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 PUNB0138920

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 – BURDWAN KANCHANNAGAR RATHTALA is still mapped to IFSC PUNB0138920. 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 PUNB0138920 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Burdwan Kanchannagar Rathtala branch is mapped to IFSC PUNB0138920 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 PUNB0138920.

Products and services

Customers walking into the Burdwan Kanchannagar Rathtala 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 PUNB0138920

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 PUNB0138920 and the account number together uniquely identify the Burdwan Kanchannagar Rathtala branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Burdwan Kanchannagar Rathtala branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC PUNB0138920 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

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 – BURDWAN KANCHANNAGAR RATHTALA:

• The IFSC is exactly PUNB0138920 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 BURDWAN KANCHANNAGAR RATHTALA 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 Burdwan Kanchannagar Rathtala branch sits at RATHTALA , P.O KANCHAN,DT. BURDWAN WB. If you are travelling from outside Burdwan-Kanchan Nagar Rathtala, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 PUNB0138920 and your account number.

Verifying IFSC PUNB0138920 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 PUNB0138920 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 Burdwan Kanchannagar Rathtala branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0138920, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0138920 belongs to Punjab National Bank's BURDWAN KANCHANNAGAR RATHTALA branch, located at RATHTALA , P.O KANCHAN,DT. BURDWAN WB in BURDWAN-KANCHAN NAGAR RATHTALA, 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.