IFSC Code of Punjab National Bank, Garhwa, Distt. Garhwa Branch, Jharkhand

Below are the complete branch details for Punjab National Bank, GARHWA, DISTT. GARHWA branch, located in GARHWA JD, JHARKHAND. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0200910. 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 PUNB0200910 for Punjab National Bank – GARHWA, DISTT. GARHWA — 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 GARHWA, DISTT. GARHWA branch, the IFSC PUNB0200910 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 200910 identifies this particular branch.

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Garhwa, Distt. Garhwa branch in Garhwa Jd. 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, PUNB0200910.

Branch details at a glance

Garhwa, Distt. Garhwa branch overview

Located at GARHWA, MAIN ROAD DISTT. GARHWA 822114, the Garhwa, Distt. Garhwa branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0200910 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 GARHWA, DISTT. GARHWA branch came to be assigned the code PUNB0200910.

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 PUNB0200910, money simply cannot be routed to the GARHWA, DISTT. GARHWA branch electronically.

Products and account variants supported

Every account opened at the Garhwa, Distt. Garhwa branch is mapped to IFSC PUNB0200910 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 PUNB0200910.

Banking services available

The Garhwa, Distt. Garhwa branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6561-8092164101.

• 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 PUNB0200910

How to transfer money using IFSC PUNB0200910

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 PUNB0200910 across all three.

How to use IFSC PUNB0200910 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's GARHWA, DISTT. GARHWA 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 PUNB0200910.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as GARHWA, DISTT. GARHWA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC PUNB0200910

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 – GARHWA, DISTT. GARHWA, ensure your bank's portal accepts IFSC PUNB0200910 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank GARHWA, DISTT. GARHWA (IFSC PUNB0200910)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0200910 in your mobile or internet banking app, and the money is credited to the GARHWA, DISTT. GARHWA branch account within seconds.

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

All three modes accept the IFSC PUNB0200910 for Punjab National Bank – GARHWA, DISTT. GARHWA, 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 Garhwa, Distt. Garhwa 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 PUNB0200910

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 – GARHWA, DISTT. GARHWA is still mapped to IFSC PUNB0200910. 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 PUNB0200910 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Garhwa, Distt. Garhwa 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 PUNB0200910 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 code & cheque clearing

Apart from IFSC, every cheque book issued by Punjab National Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC PUNB0200910 and the account number together uniquely identify the Garhwa, Distt. Garhwa branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – GARHWA, DISTT. GARHWA:

• The IFSC is exactly PUNB0200910 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 GARHWA, DISTT. GARHWA 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 Garhwa, Distt. Garhwa branch sits at GARHWA, MAIN ROAD DISTT. GARHWA 822114. If you are travelling from outside Garhwa Jd, search for the branch on a maps application using the bank name and locality, or call 6561-8092164101 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 PUNB0200910 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0200910 for Punjab National Bank – GARHWA, DISTT. GARHWA, 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 Garhwa, Distt. Garhwa 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 PUNB0200910 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0200910 is the IFSC code of Punjab National Bank, GARHWA, DISTT. GARHWA branch, in GARHWA JD, 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.