IFSC Code of Punjab National Bank, PNB Loan Point Ram Murshidabad Branch, West Bengal

Use this page as a one-stop reference for everything related to Punjab National Bank's PNB LOAN POINT RAM MURSHIDABAD branch in JAMMU, WEST BENGAL. The branch's IFSC code PUNB0805200 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 MURSHIDABAD branch, the IFSC PUNB0805200 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 805200 identifies this particular branch.

Branch details at a glance

About the bank

Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its PNB Loan Point Ram Murshidabad branch in Jammu, West Bengal is part of this network and uses the IFSC code PUNB0805200 for all electronic settlement.

PNB Loan Point Ram Murshidabad branch overview

Located at MURSHIDABAD MURSHIDABAD WB MURSH, the PNB Loan Point Ram Murshidabad branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0805200 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 PNB LOAN POINT RAM MURSHIDABAD branch came to be assigned the code PUNB0805200.

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 PUNB0805200, money simply cannot be routed to the PNB LOAN POINT RAM MURSHIDABAD branch electronically.

How to transfer money using IFSC PUNB0805200

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 PUNB0805200 across all three.

NEFT to Punjab National Bank, PNB LOAN POINT RAM MURSHIDABAD using IFSC PUNB0805200

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 PUNB0805200, and confirm that the system picks up Punjab National Bank – PNB LOAN POINT RAM MURSHIDABAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to PNB LOAN POINT RAM MURSHIDABAD

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's PNB LOAN POINT RAM MURSHIDABAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0805200 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank PNB LOAN POINT RAM MURSHIDABAD (IFSC PUNB0805200)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0805200 in your mobile or internet banking app, and the money is credited to the PNB LOAN POINT RAM MURSHIDABAD branch account within seconds.

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

All three modes accept the IFSC PUNB0805200 for Punjab National Bank – PNB LOAN POINT RAM MURSHIDABAD, 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 PNB Loan Point Ram Murshidabad 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.

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 MURSHIDABAD branch, the IFSC PUNB0805200 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.

Account types you can open at the PNB Loan Point Ram Murshidabad branch

Once you have an account at Punjab National Bank – PNB LOAN POINT RAM MURSHIDABAD, the IFSC PUNB0805200 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 PNB Loan Point Ram Murshidabad 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 PUNB0805200

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 PUNB0805200 and the account number together uniquely identify the PNB Loan Point Ram Murshidabad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the PNB Loan Point Ram Murshidabad 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 PUNB0805200 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.

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 – PNB LOAN POINT RAM MURSHIDABAD:

• The IFSC is exactly PUNB0805200 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 PNB LOAN POINT RAM MURSHIDABAD 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.

How to reach the PNB Loan Point Ram Murshidabad branch

The branch is located at MURSHIDABAD MURSHIDABAD WB MURSH, which puts it inside Jammu, the broader Jammu 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 Murshidabad branch” — the verified location pin for IFSC PUNB0805200 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 PUNB0805200 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0805200 for Punjab National Bank – PNB LOAN POINT RAM MURSHIDABAD, 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 PNB Loan Point Ram Murshidabad 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 PUNB0805200 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0805200 belongs to Punjab National Bank's PNB LOAN POINT RAM MURSHIDABAD branch, located at MURSHIDABAD MURSHIDABAD WB MURSH in JAMMU, 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.