If you are searching for the IFSC code of Punjab National Bank, GODDA branch in GODDA, JHARKHAND, this page has every detail you need. The verified IFSC code for this branch is PUNB0163220. 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 GODDA branch, and detailed step-by-step guides for using the IFSC PUNB0163220 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.
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, PUNB0163220 is the IFSC of Punjab National Bank's GODDA branch. The format is fixed: PUNB = bank code, 0 = reserved, 163220 = branch identifier.
About Punjab National Bank
Punjab National Bank operates a wide network of branches across India, including the Godda branch in Godda. 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, PUNB0163220.
About this branch
The branch is located at OPP.TO H.P PETROL PUMP,BHAGALPUR RD.. It serves the Godda region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Punjab National Bank. The IFSC PUNB0163220 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Godda |
| IFSC Code | PUNB0163220 |
| MICR Code | Refer to cheque leaf |
| Branch Address | OPP.TO H.P PETROL PUMP,BHAGALPUR RD. |
| City | Godda |
| District | Godda |
| State | Jharkhand |
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 GODDA branch came to be assigned the code PUNB0163220.
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 PUNB0163220, money simply cannot be routed to the GODDA branch electronically.
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 PUNB0163220 and the account number together uniquely identify the Godda branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC PUNB0163220
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 PUNB0163220 across all three.
NEFT to Punjab National Bank, GODDA using IFSC PUNB0163220
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 PUNB0163220, and confirm that the system picks up Punjab National Bank – GODDA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC PUNB0163220
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 – GODDA, ensure your bank's portal accepts IFSC PUNB0163220 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Punjab National Bank – GODDA, use IMPS. With IFSC PUNB0163220 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 PUNB0163220 for Punjab National Bank – GODDA, 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 – PUNB0163220 | Yes – PUNB0163220 | Yes – PUNB0163220 |
For most retail customers crediting the Godda 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 PUNB0163220
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 – GODDA is still mapped to IFSC PUNB0163220. 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 PUNB0163220 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Godda branch is mapped to IFSC PUNB0163220 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 PUNB0163220.
Products and services
Customers walking into the Godda 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 PUNB0163220
Online banking and IFSC PUNB0163220
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the GODDA 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 PUNB0163220 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.
How to reach the Godda branch
The branch is located at OPP.TO H.P PETROL PUMP,BHAGALPUR RD., which puts it inside Godda, the broader Godda district, and the state of Jharkhand. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Godda branch” — the verified location pin for IFSC PUNB0163220 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 PUNB0163220 and your account number.
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 – GODDA:
- The IFSC is exactly PUNB0163220 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 GODDA 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.
Working hours
Branch counters at Godda 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 PUNB0163220 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC PUNB0163220 for Punjab National Bank – GODDA, 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.
Branch address & contact
Punjab National BankGodda Branch
OPP.TO H.P PETROL PUMP,BHAGALPUR RD.
Godda, Jharkhand
Phone: the branch contact number
IFSC: PUNB0163220
Frequently asked questions
What is the phone number of Punjab National Bank Godda branch?
You can reach the branch at the branch contact number during regular banking hours.
What is the IFSC code of Punjab National Bank Godda branch?
The IFSC code of Punjab National Bank, Godda branch is PUNB0163220. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using PUNB0163220 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Godda reflect within 30 minutes.
How do I add Punjab National Bank Godda as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0163220, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC PUNB0163220 the same for all accounts at Godda branch?
Yes. The IFSC PUNB0163220 is shared by every account held at Punjab National Bank's Godda branch. Only the account number changes from customer to customer.
Is IFSC PUNB0163220 valid for NEFT and RTGS?
Yes. IFSC PUNB0163220 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Godda branch but serve different purposes.
Can I use IFSC PUNB0163220 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0163220 to send funds instantly.
Final notes
To recap: PUNB0163220 is the IFSC code of Punjab National Bank, GODDA branch, in GODDA, 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.
