Below are the complete branch details for Punjab National Bank, ICPC-KOLKATA branch, located in KOLKATA, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0185620. 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 PUNB0185620 for Punjab National Bank – ICPC-KOLKATA — 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, PUNB0185620 is the IFSC of Punjab National Bank's ICPC-KOLKATA branch. The format is fixed: PUNB = bank code, 0 = reserved, 185620 = branch identifier.
Bank profile
Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Icpc-Kolkata branch — IFSC PUNB0185620 — extends the bank's services to customers in and around Kolkata, West Bengal.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Icpc-Kolkata |
| IFSC Code | PUNB0185620 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UNITED BANK OF INDIA 3RD FLOOR 39 LENIN SARANI KOLKATA 700013 |
| City | Kolkata |
| District | Kolkata |
| State | West Bengal |
| STD Code | 33 |
| Phone | 22650678 |
About the Icpc-Kolkata branch
The Icpc-Kolkata branch of Punjab National Bank is situated at UNITED BANK OF INDIA 3RD FLOOR 39 LENIN SARANI KOLKATA 700013. 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 PUNB0185620 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 ICPC-KOLKATA of Punjab National Bank — its own 11-character IFSC. The code PUNB0185620 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 PUNB0185620 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 Icpc-Kolkata branch is mapped to IFSC PUNB0185620 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 PUNB0185620.
Products and services
Customers walking into the Icpc-Kolkata 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 PUNB0185620
How to transfer money using IFSC PUNB0185620
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 PUNB0185620 across all three.
NEFT to Punjab National Bank, ICPC-KOLKATA using IFSC PUNB0185620
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 PUNB0185620, and confirm that the system picks up Punjab National Bank – ICPC-KOLKATA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC PUNB0185620
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 – ICPC-KOLKATA, ensure your bank's portal accepts IFSC PUNB0185620 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Punjab National Bank – ICPC-KOLKATA, use IMPS. With IFSC PUNB0185620 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 PUNB0185620 for Punjab National Bank – ICPC-KOLKATA, 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 – PUNB0185620 | Yes – PUNB0185620 | Yes – PUNB0185620 |
For most retail customers crediting the Icpc-Kolkata 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 ICPC-KOLKATA branch, the IFSC PUNB0185620 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.
Online banking and IFSC PUNB0185620
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the ICPC-KOLKATA 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 PUNB0185620 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 & cheque-truncation details
Cheques drawn on the Icpc-Kolkata branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0185620 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – ICPC-KOLKATA:
- The IFSC is exactly PUNB0185620 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 ICPC-KOLKATA 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 Icpc-Kolkata branch
The branch is located at UNITED BANK OF INDIA 3RD FLOOR 39 LENIN SARANI KOLKATA 700013, which puts it inside Kolkata, the broader Kolkata district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Icpc-Kolkata branch” — the verified location pin for IFSC PUNB0185620 should appear at the top of the results.
- Confirm the branch is open by calling 33-22650678 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 PUNB0185620 and your account number.
Verifying IFSC PUNB0185620 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 PUNB0185620 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 33-22650678.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Icpc-Kolkata 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 PUNB0185620 continue to work without interruption.
Branch address & contact
Punjab National BankIcpc-Kolkata Branch
UNITED BANK OF INDIA 3RD FLOOR 39 LENIN SARANI KOLKATA 700013
Kolkata, West Bengal
Phone: 33-22650678
IFSC: PUNB0185620
Frequently asked questions
Is IFSC PUNB0185620 the same for all accounts at Icpc-Kolkata branch?
Yes. The IFSC PUNB0185620 is shared by every account held at Punjab National Bank's Icpc-Kolkata branch. Only the account number changes from customer to customer.
How do I add Punjab National Bank Icpc-Kolkata as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0185620, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Punjab National Bank Icpc-Kolkata branch?
The IFSC code of Punjab National Bank, Icpc-Kolkata branch is PUNB0185620. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Punjab National Bank Icpc-Kolkata branch located?
Punjab National Bank's Icpc-Kolkata branch is located at UNITED BANK OF INDIA 3RD FLOOR 39 LENIN SARANI KOLKATA 700013, Kolkata, West Bengal.
Can I use IFSC PUNB0185620 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0185620 to send funds instantly.
What is the phone number of Punjab National Bank Icpc-Kolkata branch?
You can reach the branch at 33-22650678 during regular banking hours.
How quickly will an NEFT transfer using PUNB0185620 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Icpc-Kolkata reflect within 30 minutes.
Summary
The IFSC code PUNB0185620 belongs to Punjab National Bank's ICPC-KOLKATA branch, located at UNITED BANK OF INDIA 3RD FLOOR 39 LENIN SARANI KOLKATA 700013 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.
