IFSC Code of Punjab National Bank, Kota Chandipur-Distt Burdwan Branch, West Bengal

If you are searching for the IFSC code of Punjab National Bank, KOTA CHANDIPUR-DISTT BURDWAN branch in BURDWAN, WEST BENGAL, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is PUNB0204310. 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 KOTA CHANDIPUR-DISTT BURDWAN branch, and detailed step-by-step guides for using the IFSC PUNB0204310 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 KOTA CHANDIPUR-DISTT BURDWAN branch, the IFSC PUNB0204310 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 204310 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 Kota Chandipur-Distt Burdwan branch — IFSC PUNB0204310 — extends the bank's services to customers in and around Burdwan, West Bengal, West Bengal.

About the Kota Chandipur-Distt Burdwan branch

The Kota Chandipur-Distt Burdwan branch of Punjab National Bank is situated at C/O GRAM PANCHAYAT KOTACHANDIPUR,PANAGARH 713420. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code PUNB0204310 is used.

Branch details at a glance

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 KOTA CHANDIPUR-DISTT BURDWAN of Punjab National Bank — its own 11-character IFSC. The code PUNB0204310 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 PUNB0204310 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 Kota Chandipur-Distt Burdwan branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0204310 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 PUNB0204310

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 PUNB0204310 across all three.

NEFT to Punjab National Bank, KOTA CHANDIPUR-DISTT BURDWAN using IFSC PUNB0204310

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 PUNB0204310, and confirm that the system picks up Punjab National Bank – KOTA CHANDIPUR-DISTT BURDWAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KOTA CHANDIPUR-DISTT BURDWAN

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's KOTA CHANDIPUR-DISTT BURDWAN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0204310 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank KOTA CHANDIPUR-DISTT BURDWAN (IFSC PUNB0204310)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0204310 in your mobile or internet banking app, and the money is credited to the KOTA CHANDIPUR-DISTT BURDWAN branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kota Chandipur-Distt Burdwan

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC PUNB0204310:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at KOTA CHANDIPUR-DISTT BURDWAN is still linked to IFSC PUNB0204310.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC PUNB0204310

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 – KOTA CHANDIPUR-DISTT BURDWAN is still mapped to IFSC PUNB0204310. 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 PUNB0204310 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kota Chandipur-Distt Burdwan branch is mapped to IFSC PUNB0204310 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 PUNB0204310.

Products and services

Customers walking into the Kota Chandipur-Distt Burdwan 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 PUNB0204310

Digital banking channels

Most day-to-day work that customers used to do at the Kota Chandipur-Distt Burdwan 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 PUNB0204310 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.

How to reach the Kota Chandipur-Distt Burdwan branch

The branch is located at C/O GRAM PANCHAYAT KOTACHANDIPUR,PANAGARH 713420, which puts it inside Burdwan, West Bengal, the broader Barddhaman district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Kota Chandipur-Distt Burdwan branch” — the verified location pin for IFSC PUNB0204310 should appear at the top of the results.
2. Confirm the branch is open by calling 3439-8759949404 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 PUNB0204310 and your account number.

Common mistakes to avoid when using IFSC PUNB0204310

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 – KOTA CHANDIPUR-DISTT BURDWAN, 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: PUNB0204310.
• 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 Kota Chandipur-Distt Burdwan 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 PUNB0204310 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0204310 for Punjab National Bank – KOTA CHANDIPUR-DISTT BURDWAN, 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

Frequently asked questions

Summary

The IFSC code PUNB0204310 belongs to Punjab National Bank's KOTA CHANDIPUR-DISTT BURDWAN branch, located at C/O GRAM PANCHAYAT KOTACHANDIPUR,PANAGARH 713420 in BURDWAN, WEST BENGAL, 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.