If you are searching for the IFSC code of Punjab National Bank, KOLKATA FGM OFFICE branch in KOLKATA, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is PUNB0653900. 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 KOLKATA FGM OFFICE branch, and detailed step-by-step guides for using the IFSC PUNB0653900 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.
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, PUNB0653900 is the IFSC of Punjab National Bank's KOLKATA FGM OFFICE branch. The format is fixed: PUNB = bank code, 0 = reserved, 653900 = branch identifier.
About Punjab National Bank
Punjab National Bank operates a wide network of branches across India, including the Kolkata Fgm Office branch in Kolkata. 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, PUNB0653900.
About this branch
The branch is located at 3TH FLOOR A G TOWERS 125 1 PARK STREET KOLKATA WEST BENGAL 700017. 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 PUNB0653900 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Kolkata Fgm Office |
| IFSC Code | PUNB0653900 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 3TH FLOOR A G TOWERS 125 1 PARK STREET KOLKATA WEST BENGAL 700017 |
| City | Kolkata |
| District | Kolkata |
| State | West Bengal |
| STD Code | 11 |
| Phone | 9831137641 |
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 KOLKATA FGM OFFICE branch came to be assigned the code PUNB0653900.
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 PUNB0653900, money simply cannot be routed to the KOLKATA FGM OFFICE 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 PUNB0653900 and the account number together uniquely identify the Kolkata Fgm Office branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC PUNB0653900
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 PUNB0653900 across all three.
NEFT to Punjab National Bank, KOLKATA FGM OFFICE using IFSC PUNB0653900
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 PUNB0653900, and confirm that the system picks up Punjab National Bank – KOLKATA FGM OFFICE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KOLKATA FGM OFFICE
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's KOLKATA FGM OFFICE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0653900 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 – KOLKATA FGM OFFICE, use IMPS. With IFSC PUNB0653900 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 PUNB0653900 for Punjab National Bank – KOLKATA FGM OFFICE, 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 – PUNB0653900 | Yes – PUNB0653900 | Yes – PUNB0653900 |
For most retail customers crediting the Kolkata Fgm Office 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 KOLKATA FGM OFFICE branch, the IFSC PUNB0653900 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.
Products and account variants supported
Every account opened at the Kolkata Fgm Office branch is mapped to IFSC PUNB0653900 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 PUNB0653900.
Products and services
Customers walking into the Kolkata Fgm Office 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 PUNB0653900
Online banking and IFSC PUNB0653900
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the KOLKATA FGM OFFICE 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 PUNB0653900 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 Kolkata Fgm Office branch
The branch is located at 3TH FLOOR A G TOWERS 125 1 PARK STREET KOLKATA WEST BENGAL 700017, 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 Kolkata Fgm Office branch” — the verified location pin for IFSC PUNB0653900 should appear at the top of the results.
- Confirm the branch is open by calling 11-9831137641 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 PUNB0653900 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 – KOLKATA FGM OFFICE:
- The IFSC is exactly PUNB0653900 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 KOLKATA FGM OFFICE 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.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Kolkata Fgm Office branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0653900, however, work 24x7.
Verifying IFSC PUNB0653900 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 PUNB0653900 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 11-9831137641.
- Visiting the bank's official branch locator page.
Branch address & contact
Punjab National BankKolkata Fgm Office Branch
3TH FLOOR A G TOWERS 125 1 PARK STREET KOLKATA WEST BENGAL 700017
Kolkata, West Bengal
Phone: 11-9831137641
IFSC: PUNB0653900
Frequently asked questions
What is the IFSC code of Punjab National Bank Kolkata Fgm Office branch?
The IFSC code of Punjab National Bank, Kolkata Fgm Office branch is PUNB0653900. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Punjab National Bank Kolkata Fgm Office as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0653900, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Punjab National Bank Kolkata Fgm Office branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 11-9831137641 to confirm.
Is IFSC PUNB0653900 the same for all accounts at Kolkata Fgm Office branch?
Yes. The IFSC PUNB0653900 is shared by every account held at Punjab National Bank's Kolkata Fgm Office branch. Only the account number changes from customer to customer.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Kolkata Fgm Office branch but serve different purposes.
Is IFSC PUNB0653900 valid for NEFT and RTGS?
Yes. IFSC PUNB0653900 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Punjab National Bank Kolkata Fgm Office branch?
You can reach the branch at 11-9831137641 during regular banking hours.
Can I use IFSC PUNB0653900 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0653900 to send funds instantly.
Summary
The IFSC code PUNB0653900 belongs to Punjab National Bank's KOLKATA FGM OFFICE branch, located at 3TH FLOOR A G TOWERS 125 1 PARK STREET KOLKATA WEST BENGAL 700017 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.
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