If you are searching for the IFSC code of Punjab National Bank, DULMI branch in DULMI, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is PUNB0213820. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the DULMI branch, and detailed step-by-step guides for using the IFSC PUNB0213820 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 – DULMI is PUNB0213820. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 213820 map to this branch in DULMI, WEST BENGAL.
About Punjab National Bank
Punjab National Bank operates a wide network of branches across India, including the Dulmi branch in Dulmi. 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, PUNB0213820.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Dulmi |
| IFSC Code | PUNB0213820 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL & P.O. DULMI NADHIA, PURULIA, PIN - 723102 |
| City | Dulmi |
| District | Purulia |
| State | West Bengal |
| Phone | 8972245222 |
Dulmi branch overview
Located at VILL & P.O. DULMI NADHIA, PURULIA, PIN - 723102, the Dulmi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0213820 is required for all interbank electronic transfers routed through this branch.
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 DULMI branch came to be assigned the code PUNB0213820.
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 PUNB0213820, money simply cannot be routed to the DULMI branch electronically.
Products and account variants supported
Every account opened at the Dulmi branch is mapped to IFSC PUNB0213820 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 PUNB0213820.
Products and services
Customers walking into the Dulmi 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 PUNB0213820
How to transfer money using IFSC PUNB0213820
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 PUNB0213820 across all three.
How to use IFSC PUNB0213820 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's DULMI 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 PUNB0213820.
- Confirm the bank name auto-populates as Punjab National Bank and the branch as DULMI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC PUNB0213820
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 – DULMI, ensure your bank's portal accepts IFSC PUNB0213820 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Punjab National Bank DULMI (IFSC PUNB0213820)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0213820 in your mobile or internet banking app, and the money is credited to the DULMI branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Dulmi
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 PUNB0213820:
- 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 DULMI is still linked to IFSC PUNB0213820.
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 PUNB0213820
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 – DULMI is still mapped to IFSC PUNB0213820. 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 PUNB0213820 and the beneficiary's account number to complete the transfer.
Online banking and IFSC PUNB0213820
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the DULMI 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 PUNB0213820 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 Dulmi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0213820 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 – DULMI:
- The IFSC is exactly PUNB0213820 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 DULMI 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 Dulmi branch sits at VILL & P.O. DULMI NADHIA, PURULIA, PIN - 723102. If you are travelling from outside Dulmi, search for the branch on a maps application using the bank name and locality, or call 8972245222 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 PUNB0213820 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC PUNB0213820 for Punjab National Bank – DULMI, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Working hours
Branch counters at Dulmi 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 PUNB0213820 continue to work without interruption.
Branch address & contact
Punjab National BankDulmi Branch
VILL & P.O. DULMI NADHIA, PURULIA, PIN - 723102
Dulmi, West Bengal
Phone: 8972245222
IFSC: PUNB0213820
Frequently asked questions
How quickly will an NEFT transfer using PUNB0213820 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Dulmi reflect within 30 minutes.
Where is Punjab National Bank Dulmi branch located?
Punjab National Bank's Dulmi branch is located at VILL & P.O. DULMI NADHIA, PURULIA, PIN - 723102, Dulmi, West Bengal.
What is the phone number of Punjab National Bank Dulmi branch?
You can reach the branch at 8972245222 during regular banking hours.
How do I add Punjab National Bank Dulmi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0213820, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC PUNB0213820 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0213820 to send funds instantly.
Is IFSC PUNB0213820 the same for all accounts at Dulmi branch?
Yes. The IFSC PUNB0213820 is shared by every account held at Punjab National Bank's Dulmi branch. Only the account number changes from customer to customer.
Summary
The IFSC code PUNB0213820 belongs to Punjab National Bank's DULMI branch, located at VILL & P.O. DULMI NADHIA, PURULIA, PIN - 723102 in DULMI, 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.
