Use this page as a one-stop reference for everything related to Punjab National Bank's DEOGHAR branch in DEOGHAR, JHARKHAND. The branch's IFSC code PUNB0083820 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, PUNB0083820 is the IFSC of Punjab National Bank's DEOGHAR branch. The format is fixed: PUNB = bank code, 0 = reserved, 083820 = branch identifier.
About Punjab National Bank
Punjab National Bank operates a wide network of branches across India, including the Deoghar branch in Deoghar. 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, PUNB0083820.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Deoghar |
| IFSC Code | PUNB0083820 |
| MICR Code | Refer to cheque leaf |
| Branch Address | S B ROY ROAD,DEOGHAR,DIST-DEOGHAR |
| City | Deoghar |
| District | Deoghar |
| State | Jharkhand |
About the Deoghar branch
The Deoghar branch of Punjab National Bank is situated at S B ROY ROAD,DEOGHAR,DIST-DEOGHAR. 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 PUNB0083820 is used.
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Punjab National Bank's DEOGHAR branch came to be assigned the code PUNB0083820.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC PUNB0083820, money simply cannot be routed to the DEOGHAR branch electronically.
Products and account variants supported
Every account opened at the Deoghar branch is mapped to IFSC PUNB0083820 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 PUNB0083820.
Banking services available
The Deoghar 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 PUNB0083820
How to transfer money using IFSC PUNB0083820
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 PUNB0083820 across all three.
NEFT to Punjab National Bank, DEOGHAR using IFSC PUNB0083820
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 PUNB0083820, and confirm that the system picks up Punjab National Bank – DEOGHAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC PUNB0083820
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Punjab National Bank – DEOGHAR, ensure your bank's portal accepts IFSC PUNB0083820 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Punjab National Bank – DEOGHAR, use IMPS. With IFSC PUNB0083820 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 Deoghar
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 PUNB0083820:
- 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 DEOGHAR is still linked to IFSC PUNB0083820.
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 PUNB0083820
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 – DEOGHAR is still mapped to IFSC PUNB0083820. 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 PUNB0083820 and the beneficiary's account number to complete the transfer.
Online banking and IFSC PUNB0083820
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the DEOGHAR 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 PUNB0083820 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.
MICR & cheque-truncation details
Cheques drawn on the Deoghar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0083820 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – DEOGHAR:
- The IFSC is exactly PUNB0083820 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 DEOGHAR 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 Deoghar branch
The branch is located at S B ROY ROAD,DEOGHAR,DIST-DEOGHAR, which puts it inside Deoghar, the broader Deoghar district, and the state of Jharkhand. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Deoghar branch” — the verified location pin for IFSC PUNB0083820 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
- 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 PUNB0083820 and your account number.
Verifying IFSC PUNB0083820 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 PUNB0083820 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 Deoghar 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 PUNB0083820 continue to work without interruption.
Branch address & contact
Punjab National BankDeoghar Branch
S B ROY ROAD,DEOGHAR,DIST-DEOGHAR
Deoghar, Jharkhand
Phone: the branch contact number
IFSC: PUNB0083820
Frequently asked questions
Is IFSC PUNB0083820 the same for all accounts at Deoghar branch?
Yes. The IFSC PUNB0083820 is shared by every account held at Punjab National Bank's Deoghar branch. Only the account number changes from customer to customer.
What is the phone number of Punjab National Bank Deoghar branch?
You can reach the branch at the branch contact number during regular banking hours.
Can I use IFSC PUNB0083820 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0083820 to send funds instantly.
Where is Punjab National Bank Deoghar branch located?
Punjab National Bank's Deoghar branch is located at S B ROY ROAD,DEOGHAR,DIST-DEOGHAR, Deoghar, Jharkhand.
Does Punjab National Bank Deoghar 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 IFSC code of Punjab National Bank Deoghar branch?
The IFSC code of Punjab National Bank, Deoghar branch is PUNB0083820. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Punjab National Bank Deoghar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0083820, 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 Deoghar branch but serve different purposes.
Final notes
To recap: PUNB0083820 is the IFSC code of Punjab National Bank, DEOGHAR branch, in DEOGHAR, JHARKHAND. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
