Below are the complete branch details for Punjab National Bank, JAMDA branch, located in JAMDA, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0207420. 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 PUNB0207420 for Punjab National Bank – JAMDA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, PUNB0207420 is the IFSC of Punjab National Bank's JAMDA branch. The format is fixed: PUNB = bank code, 0 = reserved, 207420 = branch identifier.
Bank profile
Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Jamda branch — IFSC PUNB0207420 — extends the bank's services to customers in and around Jamda, West Bengal.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Jamda |
| IFSC Code | PUNB0207420 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT. JAMDA,P.O- JHARGRAM DIST. PASCHIM MIDNAPORE,PIN-721507 |
| City | Jamda |
| District | Medinipur |
| State | West Bengal |
| STD Code | 32 |
| Phone | 21258899 |
About the Jamda branch
The Jamda branch of Punjab National Bank is situated at AT. JAMDA,P.O- JHARGRAM DIST. PASCHIM MIDNAPORE,PIN-721507. 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 PUNB0207420 is used.
Why every Punjab National Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including JAMDA of Punjab National Bank — its own 11-character IFSC. The code PUNB0207420 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC PUNB0207420 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Jamda branch
Once you have an account at Punjab National Bank – JAMDA, the IFSC PUNB0207420 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Jamda 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 PUNB0207420
How to transfer money using IFSC PUNB0207420
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 PUNB0207420 across all three.
How to use IFSC PUNB0207420 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's JAMDA 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 PUNB0207420.
- Confirm the bank name auto-populates as Punjab National Bank and the branch as JAMDA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to JAMDA
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's JAMDA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0207420 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Punjab National Bank – JAMDA, use IMPS. With IFSC PUNB0207420 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 PUNB0207420 for Punjab National Bank – JAMDA, 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 – PUNB0207420 | Yes – PUNB0207420 | Yes – PUNB0207420 |
For most retail customers crediting the Jamda 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 PUNB0207420
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 – JAMDA is still mapped to IFSC PUNB0207420. 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 PUNB0207420 and the beneficiary's account number to complete the transfer.
Online banking and IFSC PUNB0207420
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the JAMDA 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 PUNB0207420 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 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 PUNB0207420 and the account number together uniquely identify the Jamda branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC PUNB0207420
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 – JAMDA, 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:
PUNB0207420. - 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.
How to reach the Jamda branch
The branch is located at AT. JAMDA,P.O- JHARGRAM DIST. PASCHIM MIDNAPORE,PIN-721507, which puts it inside Jamda, the broader Medinipur district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Jamda branch” — the verified location pin for IFSC PUNB0207420 should appear at the top of the results.
- Confirm the branch is open by calling 32-21258899 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 PUNB0207420 and your account number.
Verifying IFSC PUNB0207420 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 PUNB0207420 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 32-21258899.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Jamda 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 PUNB0207420 continue to work without interruption.
Branch address & contact
Punjab National BankJamda Branch
AT. JAMDA,P.O- JHARGRAM DIST. PASCHIM MIDNAPORE,PIN-721507
Jamda, West Bengal
Phone: 32-21258899
IFSC: PUNB0207420
Frequently asked questions
Where is Punjab National Bank Jamda branch located?
Punjab National Bank's Jamda branch is located at AT. JAMDA,P.O- JHARGRAM DIST. PASCHIM MIDNAPORE,PIN-721507, Jamda, West Bengal.
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 Jamda branch but serve different purposes.
Is IFSC PUNB0207420 valid for NEFT and RTGS?
Yes. IFSC PUNB0207420 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Punjab National Bank Jamda branch?
You can reach the branch at 32-21258899 during regular banking hours.
Can I use IFSC PUNB0207420 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0207420 to send funds instantly.
Is IFSC PUNB0207420 the same for all accounts at Jamda branch?
Yes. The IFSC PUNB0207420 is shared by every account held at Punjab National Bank's Jamda branch. Only the account number changes from customer to customer.
Summary
The IFSC code PUNB0207420 belongs to Punjab National Bank's JAMDA branch, located at AT. JAMDA,P.O- JHARGRAM DIST. PASCHIM MIDNAPORE,PIN-721507 in JAMDA, 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.
