IFSC Code of Punjab National Bank, Currency Chest Kharagpur Golebazar Branch, West Bengal

If you are searching for the IFSC code of Punjab National Bank, CURRENCY CHEST KHARAGPUR GOLEBAZAR branch in KOLKATA, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is PUNB0897100. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the CURRENCY CHEST KHARAGPUR GOLEBAZAR branch, and detailed step-by-step guides for using the IFSC PUNB0897100 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 CURRENCY CHEST KHARAGPUR GOLEBAZAR branch, the IFSC PUNB0897100 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 897100 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 Currency Chest Kharagpur Golebazar branch — IFSC PUNB0897100 — extends the bank's services to customers in and around Kolkata, West Bengal.

About the Currency Chest Kharagpur Golebazar branch

The Currency Chest Kharagpur Golebazar branch of Punjab National Bank is situated at GOLEBAZAR264 RAILWAY MARKET WB KHARA 721301. 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 PUNB0897100 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 CURRENCY CHEST KHARAGPUR GOLEBAZAR branch came to be assigned the code PUNB0897100.

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 PUNB0897100, money simply cannot be routed to the CURRENCY CHEST KHARAGPUR GOLEBAZAR 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 PUNB0897100 and the account number together uniquely identify the Currency Chest Kharagpur Golebazar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC PUNB0897100

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 PUNB0897100 across all three.

NEFT to Punjab National Bank, CURRENCY CHEST KHARAGPUR GOLEBAZAR using IFSC PUNB0897100

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 PUNB0897100, and confirm that the system picks up Punjab National Bank – CURRENCY CHEST KHARAGPUR GOLEBAZAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CURRENCY CHEST KHARAGPUR GOLEBAZAR

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's CURRENCY CHEST KHARAGPUR GOLEBAZAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0897100 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank CURRENCY CHEST KHARAGPUR GOLEBAZAR (IFSC PUNB0897100)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0897100 in your mobile or internet banking app, and the money is credited to the CURRENCY CHEST KHARAGPUR GOLEBAZAR branch account within seconds.

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

All three modes accept the IFSC PUNB0897100 for Punjab National Bank – CURRENCY CHEST KHARAGPUR GOLEBAZAR, 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 Currency Chest Kharagpur Golebazar 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 PUNB0897100

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 – CURRENCY CHEST KHARAGPUR GOLEBAZAR is still mapped to IFSC PUNB0897100. 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 PUNB0897100 and the beneficiary's account number to complete the transfer.

Account types you can open at the Currency Chest Kharagpur Golebazar branch

Once you have an account at Punjab National Bank – CURRENCY CHEST KHARAGPUR GOLEBAZAR, the IFSC PUNB0897100 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 Currency Chest Kharagpur Golebazar 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 PUNB0897100

Online banking and IFSC PUNB0897100

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the CURRENCY CHEST KHARAGPUR GOLEBAZAR 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 PUNB0897100 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 Currency Chest Kharagpur Golebazar branch

The branch is located at GOLEBAZAR264 RAILWAY MARKET WB KHARA 721301, which puts it inside Kolkata, the broader Kharagpur district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Currency Chest Kharagpur Golebazar branch” — the verified location pin for IFSC PUNB0897100 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 PUNB0897100 and your account number.

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 – CURRENCY CHEST KHARAGPUR GOLEBAZAR:

• The IFSC is exactly PUNB0897100 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 CURRENCY CHEST KHARAGPUR GOLEBAZAR 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.

Working hours

Branch counters at Currency Chest Kharagpur Golebazar 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 PUNB0897100 continue to work without interruption.

Verifying IFSC PUNB0897100 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 PUNB0897100 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 11-23765326.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0897100 is the IFSC code of Punjab National Bank, CURRENCY CHEST KHARAGPUR GOLEBAZAR branch, in KOLKATA, 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.