IFSC Code of Punjab National Bank, Ashutosh Mukharji Road Calcutt Branch, West Bengal

Use this page as a one-stop reference for everything related to Punjab National Bank's ASHUTOSH MUKHARJI ROAD CALCUTT branch in KOLKATA, WEST BENGAL. The branch's IFSC code PUNB0318100 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 ASHUTOSH MUKHARJI ROAD CALCUTT branch, the IFSC PUNB0318100 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 318100 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 Ashutosh Mukharji Road Calcutt branch in Kolkata, West Bengal is part of this network and uses the IFSC code PUNB0318100 for all electronic settlement.

About this branch

The branch is located at 2,ASHUTOSH MUKHERJEE ROAD. It serves the Kolkata 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 PUNB0318100 is used to identify this branch on the RBI payments network.

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 ASHUTOSH MUKHARJI ROAD CALCUTT of Punjab National Bank — its own 11-character IFSC. The code PUNB0318100 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 PUNB0318100 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC PUNB0318100

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 PUNB0318100 across all three.

NEFT to Punjab National Bank, ASHUTOSH MUKHARJI ROAD CALCUTT using IFSC PUNB0318100

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 PUNB0318100, and confirm that the system picks up Punjab National Bank – ASHUTOSH MUKHARJI ROAD CALCUTT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ASHUTOSH MUKHARJI ROAD CALCUTT

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's ASHUTOSH MUKHARJI ROAD CALCUTT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0318100 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 – ASHUTOSH MUKHARJI ROAD CALCUTT, use IMPS. With IFSC PUNB0318100 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 Ashutosh Mukharji Road Calcutt

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 PUNB0318100:

• 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 ASHUTOSH MUKHARJI ROAD CALCUTT is still linked to IFSC PUNB0318100.

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 PUNB0318100

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 – ASHUTOSH MUKHARJI ROAD CALCUTT is still mapped to IFSC PUNB0318100. 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 PUNB0318100 and the beneficiary's account number to complete the transfer.

Account types you can open at the Ashutosh Mukharji Road Calcutt branch

Once you have an account at Punjab National Bank – ASHUTOSH MUKHARJI ROAD CALCUTT, the IFSC PUNB0318100 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 Ashutosh Mukharji Road Calcutt 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 PUNB0318100

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 PUNB0318100 and the account number together uniquely identify the Ashutosh Mukharji Road Calcutt branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC PUNB0318100

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the ASHUTOSH MUKHARJI ROAD CALCUTT 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 PUNB0318100 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.

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 – ASHUTOSH MUKHARJI ROAD CALCUTT:

• The IFSC is exactly PUNB0318100 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 ASHUTOSH MUKHARJI ROAD CALCUTT 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.

Reaching the branch

The Ashutosh Mukharji Road Calcutt branch sits at 2,ASHUTOSH MUKHERJEE ROAD. If you are travelling from outside Kolkata, search for the branch on a maps application using the bank name and locality, or call the branch contact number to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC PUNB0318100 and your account number.

Verifying IFSC PUNB0318100 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 PUNB0318100 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on the branch contact number.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Ashutosh Mukharji Road Calcutt 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 PUNB0318100 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0318100 belongs to Punjab National Bank's ASHUTOSH MUKHARJI ROAD CALCUTT branch, located at 2,ASHUTOSH MUKHERJEE ROAD in KOLKATA, 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.