IFSC Code of Punjab National Bank, PNB Loan Point-Ram Purba Medinipur Branch, West Bengal

Below are the complete branch details for Punjab National Bank, PNB LOAN POINT-RAM PURBA MEDINIPUR branch, located in HALDIA, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0807000. 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 PUNB0807000 for Punjab National Bank – PNB LOAN POINT-RAM PURBA MEDINIPUR — 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 PNB LOAN POINT-RAM PURBA MEDINIPUR branch, the IFSC PUNB0807000 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 807000 identifies this particular branch.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The PNB Loan Point-Ram Purba Medinipur branch — IFSC PUNB0807000 — extends the bank's services to customers in and around Haldia, West Bengal.

About the PNB Loan Point-Ram Purba Medinipur branch

The PNB Loan Point-Ram Purba Medinipur branch of Punjab National Bank is situated at DURGA CHOWK SUPER MARKET PO DURGACHOWK WB HALDI 721602. 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 PUNB0807000 is used.

Branch details at a glance

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 PNB LOAN POINT-RAM PURBA MEDINIPUR branch came to be assigned the code PUNB0807000.

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 PUNB0807000, money simply cannot be routed to the PNB LOAN POINT-RAM PURBA MEDINIPUR 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 PUNB0807000 and the account number together uniquely identify the PNB Loan Point-Ram Purba Medinipur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC PUNB0807000

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 PUNB0807000 across all three.

How to use IFSC PUNB0807000 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's PNB LOAN POINT-RAM PURBA MEDINIPUR 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 PUNB0807000.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as PNB LOAN POINT-RAM PURBA MEDINIPUR.
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 PUNB0807000

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 – PNB LOAN POINT-RAM PURBA MEDINIPUR, ensure your bank's portal accepts IFSC PUNB0807000 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank PNB LOAN POINT-RAM PURBA MEDINIPUR (IFSC PUNB0807000)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0807000 in your mobile or internet banking app, and the money is credited to the PNB LOAN POINT-RAM PURBA MEDINIPUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to PNB Loan Point-Ram Purba Medinipur

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 PUNB0807000:

• 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 PNB LOAN POINT-RAM PURBA MEDINIPUR is still linked to IFSC PUNB0807000.

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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Punjab National Bank's PNB LOAN POINT-RAM PURBA MEDINIPUR branch, the IFSC PUNB0807000 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the PNB Loan Point-Ram Purba Medinipur branch is mapped to IFSC PUNB0807000 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 PUNB0807000.

Products and services

Customers walking into the PNB Loan Point-Ram Purba Medinipur 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 PUNB0807000

Online banking and IFSC PUNB0807000

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the PNB LOAN POINT-RAM PURBA MEDINIPUR 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 PUNB0807000 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 PNB Loan Point-Ram Purba Medinipur branch

The branch is located at DURGA CHOWK SUPER MARKET PO DURGACHOWK WB HALDI 721602, which puts it inside Haldia, the broader Haldia district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank PNB Loan Point-Ram Purba Medinipur branch” — the verified location pin for IFSC PUNB0807000 should appear at the top of the results.
2. Confirm the branch is open by calling 11-23765326 before stepping out, especially around public holidays.
3. 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 PUNB0807000 and your account number.

Common mistakes to avoid when using IFSC PUNB0807000

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 – PNB LOAN POINT-RAM PURBA MEDINIPUR, 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: PUNB0807000.
• 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.

Working hours

Branch counters at PNB Loan Point-Ram Purba Medinipur 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 PUNB0807000 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0807000 for Punjab National Bank – PNB LOAN POINT-RAM PURBA MEDINIPUR, 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

Frequently asked questions

Final notes

To recap: PUNB0807000 is the IFSC code of Punjab National Bank, PNB LOAN POINT-RAM PURBA MEDINIPUR branch, in HALDIA, WEST BENGAL. 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.