IFSC Code of Punjab National Bank, Katihar Daulat Ram Chowk Branch, Bihar

Use this page as a one-stop reference for everything related to Punjab National Bank's KATIHAR DAULAT RAM CHOWK branch in KATIHAR, BIHAR. The branch's IFSC code PUNB0196800 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Punjab National Bank – KATIHAR DAULAT RAM CHOWK is PUNB0196800. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 196800 map to this branch in KATIHAR, BIHAR.

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Katihar Daulat Ram Chowk branch in Katihar. 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, PUNB0196800.

Branch details at a glance

About the Katihar Daulat Ram Chowk branch

The Katihar Daulat Ram Chowk branch of Punjab National Bank is situated at KATIHAR DAULAT RAM CHOWK. 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 PUNB0196800 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 KATIHAR DAULAT RAM CHOWK of Punjab National Bank — its own 11-character IFSC. The code PUNB0196800 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 PUNB0196800 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Katihar Daulat Ram Chowk branch is mapped to IFSC PUNB0196800 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 PUNB0196800.

Products and services

Customers walking into the Katihar Daulat Ram Chowk 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 PUNB0196800

How to transfer money using IFSC PUNB0196800

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 PUNB0196800 across all three.

NEFT to Punjab National Bank, KATIHAR DAULAT RAM CHOWK using IFSC PUNB0196800

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 PUNB0196800, and confirm that the system picks up Punjab National Bank – KATIHAR DAULAT RAM CHOWK. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PUNB0196800

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 – KATIHAR DAULAT RAM CHOWK, ensure your bank's portal accepts IFSC PUNB0196800 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Punjab National Bank – KATIHAR DAULAT RAM CHOWK, use IMPS. With IFSC PUNB0196800 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Katihar Daulat Ram Chowk

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 PUNB0196800:

• 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 KATIHAR DAULAT RAM CHOWK is still linked to IFSC PUNB0196800.

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.

UPI payments and IFSC PUNB0196800

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 – KATIHAR DAULAT RAM CHOWK is still mapped to IFSC PUNB0196800. 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 PUNB0196800 and the beneficiary's account number to complete the transfer.

Online banking and IFSC PUNB0196800

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the KATIHAR DAULAT RAM CHOWK 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 PUNB0196800 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 PUNB0196800 and the account number together uniquely identify the Katihar Daulat Ram Chowk 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 – KATIHAR DAULAT RAM CHOWK:

• The IFSC is exactly PUNB0196800 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 KATIHAR DAULAT RAM CHOWK 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 Katihar Daulat Ram Chowk branch

The branch is located at KATIHAR DAULAT RAM CHOWK, which puts it inside Katihar, the broader Katihar district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Katihar Daulat Ram Chowk branch” — the verified location pin for IFSC PUNB0196800 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 PUNB0196800 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0196800 for Punjab National Bank – KATIHAR DAULAT RAM CHOWK, 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 Katihar Daulat Ram Chowk 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 PUNB0196800 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0196800 belongs to Punjab National Bank's KATIHAR DAULAT RAM CHOWK branch, located at KATIHAR DAULAT RAM CHOWK in KATIHAR, BIHAR. 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.