This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, MASJIDPUR branch in BURDWAN. The 11-digit IFSC PUNB0197320 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Punjab National Bank at the MASJIDPUR location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 – MASJIDPUR is PUNB0197320. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 197320 map to this branch in BURDWAN, WEST BENGAL.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Masjidpur |
| IFSC Code | PUNB0197320 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MASJIDPUR, |
| City | Burdwan |
| District | Burdwan |
| State | West Bengal |
About the bank
Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Masjidpur branch in Burdwan, West Bengal is part of this network and uses the IFSC code PUNB0197320 for all electronic settlement.
About the Masjidpur branch
The Masjidpur branch of Punjab National Bank is situated at MASJIDPUR,. 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 PUNB0197320 is used.
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 MASJIDPUR of Punjab National Bank — its own 11-character IFSC. The code PUNB0197320 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 PUNB0197320 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 PUNB0197320
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 PUNB0197320 across all three.
How to use IFSC PUNB0197320 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's MASJIDPUR 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 PUNB0197320.
- Confirm the bank name auto-populates as Punjab National Bank and the branch as MASJIDPUR.
- 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 MASJIDPUR
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's MASJIDPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0197320 while initiating the transfer and the credit will appear within minutes.
IMPS to Punjab National Bank MASJIDPUR (IFSC PUNB0197320)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0197320 in your mobile or internet banking app, and the money is credited to the MASJIDPUR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0197320 for Punjab National Bank – MASJIDPUR, 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 – PUNB0197320 | Yes – PUNB0197320 | Yes – PUNB0197320 |
For most retail customers crediting the Masjidpur 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 PUNB0197320
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 – MASJIDPUR is still mapped to IFSC PUNB0197320. 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 PUNB0197320 and the beneficiary's account number to complete the transfer.
Account types you can open at the Masjidpur branch
Once you have an account at Punjab National Bank – MASJIDPUR, the IFSC PUNB0197320 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 Masjidpur 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 PUNB0197320
MICR & cheque-truncation details
Cheques drawn on the Masjidpur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0197320 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC PUNB0197320
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the MASJIDPUR 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 PUNB0197320 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 – MASJIDPUR:
- The IFSC is exactly PUNB0197320 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 MASJIDPUR 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 Masjidpur branch sits at MASJIDPUR,. If you are travelling from outside Burdwan, 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 PUNB0197320 and your account number.
Verifying IFSC PUNB0197320 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 PUNB0197320 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 Masjidpur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0197320, however, work 24x7.
Branch address & contact
Punjab National BankMasjidpur Branch
MASJIDPUR,
Burdwan, West Bengal
Phone: the branch contact number
IFSC: PUNB0197320
Frequently asked questions
What is the IFSC code of Punjab National Bank Masjidpur branch?
The IFSC code of Punjab National Bank, Masjidpur branch is PUNB0197320. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Punjab National Bank Masjidpur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0197320, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Masjidpur branch but serve different purposes.
How quickly will an NEFT transfer using PUNB0197320 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Masjidpur reflect within 30 minutes.
Where is Punjab National Bank Masjidpur branch located?
Punjab National Bank's Masjidpur branch is located at MASJIDPUR,, Burdwan, West Bengal.
Is IFSC PUNB0197320 valid for NEFT and RTGS?
Yes. IFSC PUNB0197320 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Punjab National Bank Masjidpur branch?
You can reach the branch at the branch contact number during regular banking hours.
Does Punjab National Bank Masjidpur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Summary
The IFSC code PUNB0197320 belongs to Punjab National Bank's MASJIDPUR branch, located at MASJIDPUR, in BURDWAN, 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.
