Use this page as a one-stop reference for everything related to Punjab National Bank's DEBIPUR branch in DEBIPUR, WEST BENGAL. The branch's IFSC code PUNB0133520 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.
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 – DEBIPUR is PUNB0133520. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 133520 map to this branch in DEBIPUR, WEST BENGAL.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Debipur |
| IFSC Code | PUNB0133520 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL&P.O DEBIPUR,MALDA |
| City | Debipur |
| District | Maldah |
| State | West Bengal |
About Punjab National Bank
Punjab National Bank operates a wide network of branches across India, including the Debipur branch in Debipur. 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, PUNB0133520.
About the Debipur branch
The Debipur branch of Punjab National Bank is situated at VILL&P.O DEBIPUR,MALDA. 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 PUNB0133520 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 DEBIPUR of Punjab National Bank — its own 11-character IFSC. The code PUNB0133520 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 PUNB0133520 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 PUNB0133520
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 PUNB0133520 across all three.
NEFT to Punjab National Bank, DEBIPUR using IFSC PUNB0133520
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 PUNB0133520, and confirm that the system picks up Punjab National Bank – DEBIPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to DEBIPUR
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's DEBIPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0133520 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 – DEBIPUR, use IMPS. With IFSC PUNB0133520 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0133520 for Punjab National Bank – DEBIPUR, 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 – PUNB0133520 | Yes – PUNB0133520 | Yes – PUNB0133520 |
For most retail customers crediting the Debipur 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 PUNB0133520
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 – DEBIPUR is still mapped to IFSC PUNB0133520. 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 PUNB0133520 and the beneficiary's account number to complete the transfer.
Account types you can open at the Debipur branch
Once you have an account at Punjab National Bank – DEBIPUR, the IFSC PUNB0133520 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 Debipur 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 PUNB0133520
MICR & cheque-truncation details
Cheques drawn on the Debipur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0133520 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC PUNB0133520
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the DEBIPUR 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 PUNB0133520 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.
Common mistakes to avoid when using IFSC PUNB0133520
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 – DEBIPUR, 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:
PUNB0133520. - 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.
Reaching the branch
The Debipur branch sits at VILL&P.O DEBIPUR,MALDA. If you are travelling from outside Debipur, 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 PUNB0133520 and your account number.
Verifying IFSC PUNB0133520 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 PUNB0133520 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.
Working hours
Branch counters at Debipur 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 PUNB0133520 continue to work without interruption.
Branch address & contact
Punjab National BankDebipur Branch
VILL&P.O DEBIPUR,MALDA
Debipur, West Bengal
Phone: the branch contact number
IFSC: PUNB0133520
Frequently asked questions
How do I add Punjab National Bank Debipur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0133520, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Punjab National Bank Debipur branch?
You can reach the branch at the branch contact number during regular banking hours.
Does Punjab National Bank Debipur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
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 Debipur branch but serve different purposes.
How quickly will an NEFT transfer using PUNB0133520 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Debipur reflect within 30 minutes.
Is IFSC PUNB0133520 the same for all accounts at Debipur branch?
Yes. The IFSC PUNB0133520 is shared by every account held at Punjab National Bank's Debipur branch. Only the account number changes from customer to customer.
Where is Punjab National Bank Debipur branch located?
Punjab National Bank's Debipur branch is located at VILL&P.O DEBIPUR,MALDA, Debipur, West Bengal.
Can I use IFSC PUNB0133520 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0133520 to send funds instantly.
Summary
The IFSC code PUNB0133520 belongs to Punjab National Bank's DEBIPUR branch, located at VILL&P.O DEBIPUR,MALDA in DEBIPUR, 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.
