IFSC Code of Punjab National Bank, Circle Sastra Centre Darbhanga Branch, Bihar

Below are the complete branch details for Punjab National Bank, CIRCLE SASTRA CENTRE DARBHANGA branch, located in DARBHANGA, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0821700. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case PUNB0821700 for Punjab National Bank – CIRCLE SASTRA CENTRE DARBHANGA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 CIRCLE SASTRA CENTRE DARBHANGA branch, the IFSC PUNB0821700 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 821700 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 Circle Sastra Centre Darbhanga branch — IFSC PUNB0821700 — extends the bank's services to customers in and around Darbhanga, Bihar.

Branch details at a glance

Circle Sastra Centre Darbhanga branch overview

Located at 5 G M ROAD NEAR RADIO STATION DARBHANGA BH DARBH, the Circle Sastra Centre Darbhanga branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0821700 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 CIRCLE SASTRA CENTRE DARBHANGA of Punjab National Bank — its own 11-character IFSC. The code PUNB0821700 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 PUNB0821700 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Circle Sastra Centre Darbhanga branch is mapped to IFSC PUNB0821700 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 PUNB0821700.

Products and services

Customers walking into the Circle Sastra Centre Darbhanga 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 PUNB0821700

How to transfer money using IFSC PUNB0821700

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 PUNB0821700 across all three.

NEFT to Punjab National Bank, CIRCLE SASTRA CENTRE DARBHANGA using IFSC PUNB0821700

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 PUNB0821700, and confirm that the system picks up Punjab National Bank – CIRCLE SASTRA CENTRE DARBHANGA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CIRCLE SASTRA CENTRE DARBHANGA

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's CIRCLE SASTRA CENTRE DARBHANGA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0821700 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Punjab National Bank – CIRCLE SASTRA CENTRE DARBHANGA, use IMPS. With IFSC PUNB0821700 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Circle Sastra Centre Darbhanga

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 PUNB0821700:

• 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 CIRCLE SASTRA CENTRE DARBHANGA is still linked to IFSC PUNB0821700.

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.

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 CIRCLE SASTRA CENTRE DARBHANGA branch, the IFSC PUNB0821700 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.

Digital banking channels

Most day-to-day work that customers used to do at the Circle Sastra Centre Darbhanga 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 PUNB0821700 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.

MICR & cheque-truncation details

Cheques drawn on the Circle Sastra Centre Darbhanga branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0821700 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC PUNB0821700

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 – CIRCLE SASTRA CENTRE DARBHANGA, 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: PUNB0821700.
• 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.

How to reach the Circle Sastra Centre Darbhanga branch

The branch is located at 5 G M ROAD NEAR RADIO STATION DARBHANGA BH DARBH, which puts it inside Darbhanga, the broader Darbhanga district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Circle Sastra Centre Darbhanga branch” — the verified location pin for IFSC PUNB0821700 should appear at the top of the results.
2. Confirm the branch is open by calling 11-23765326 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 PUNB0821700 and your account number.

Verifying IFSC PUNB0821700 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 PUNB0821700 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 11-23765326.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Circle Sastra Centre Darbhanga 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 PUNB0821700 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0821700 belongs to Punjab National Bank's CIRCLE SASTRA CENTRE DARBHANGA branch, located at 5 G M ROAD NEAR RADIO STATION DARBHANGA BH DARBH in DARBHANGA, BIHAR. 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.