IFSC Code of Punjab National Bank, Cooch Behar Branch, West Bengal

This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, COOCH BEHAR branch in COOCH BIHAR ,WEST BENGAL. The 11-digit IFSC PUNB0656600 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 COOCH BEHAR 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 – COOCH BEHAR is PUNB0656600. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 656600 map to this branch in COOCH BIHAR ,WEST BENGAL, WEST BENGAL.

Branch details at a glance

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Cooch Behar branch in Cooch Bihar ,West Bengal. 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, PUNB0656600.

About this branch

The branch is located at N.N.ROAD, NEAR POWER HOUSE. It serves the Cooch Bihar ,West Bengal 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 PUNB0656600 is used to identify this branch on the RBI payments network.

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 COOCH BEHAR of Punjab National Bank — its own 11-character IFSC. The code PUNB0656600 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 PUNB0656600 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 PUNB0656600

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 PUNB0656600 across all three.

How to use IFSC PUNB0656600 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's COOCH BEHAR 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 PUNB0656600.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as COOCH BEHAR.
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 COOCH BEHAR

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's COOCH BEHAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0656600 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank COOCH BEHAR (IFSC PUNB0656600)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0656600 in your mobile or internet banking app, and the money is credited to the COOCH BEHAR branch account within seconds.

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

All three modes accept the IFSC PUNB0656600 for Punjab National Bank – COOCH BEHAR, 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 Cooch Behar 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 PUNB0656600

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 – COOCH BEHAR is still mapped to IFSC PUNB0656600. 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 PUNB0656600 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Cooch Behar branch is mapped to IFSC PUNB0656600 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 PUNB0656600.

Products and services

Customers walking into the Cooch Behar 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 PUNB0656600

MICR & cheque-truncation details

Cheques drawn on the Cooch Behar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0656600 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC PUNB0656600

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the COOCH BEHAR 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 PUNB0656600 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 – COOCH BEHAR:

• The IFSC is exactly PUNB0656600 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 COOCH BEHAR 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 Cooch Behar branch

The branch is located at N.N.ROAD, NEAR POWER HOUSE, which puts it inside Cooch Bihar ,West Bengal, the broader Choupathi,Po Dist Cooch Bihar district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Cooch Behar branch” — the verified location pin for IFSC PUNB0656600 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 PUNB0656600 and your account number.

Verifying IFSC PUNB0656600 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 PUNB0656600 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 Cooch Behar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0656600, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0656600 belongs to Punjab National Bank's COOCH BEHAR branch, located at N.N.ROAD, NEAR POWER HOUSE in COOCH BIHAR ,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.