IFSC Code of Punjab National Bank, Kolkata-Service Branch Branch, West Bengal

Use this page as a one-stop reference for everything related to Punjab National Bank's KOLKATA-SERVICE BRANCH branch in KOLKATA, WEST BENGAL. The branch's IFSC code PUNB0800410 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 KOLKATA-SERVICE BRANCH branch, the IFSC PUNB0800410 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 800410 identifies this particular branch.

Branch details at a glance

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kolkata-Service Branch branch — IFSC PUNB0800410 — extends the bank's services to customers in and around Kolkata, West Bengal.

About the Kolkata-Service Branch branch

The Kolkata-Service Branch branch of Punjab National Bank is situated at SAGAR ESTATE,1ST FLOOR PREMISES NO.2,SARANI 700001. 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 PUNB0800410 is used.

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-SERVICE BRANCH branch came to be assigned the code PUNB0800410.

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 PUNB0800410, money simply cannot be routed to the KOLKATA-SERVICE BRANCH branch electronically.

How to transfer money using IFSC PUNB0800410

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 PUNB0800410 across all three.

How to use IFSC PUNB0800410 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's KOLKATA-SERVICE BRANCH branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC PUNB0800410.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as KOLKATA-SERVICE BRANCH.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC PUNB0800410

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 – KOLKATA-SERVICE BRANCH, ensure your bank's portal accepts IFSC PUNB0800410 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank KOLKATA-SERVICE BRANCH (IFSC PUNB0800410)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0800410 in your mobile or internet banking app, and the money is credited to the KOLKATA-SERVICE BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kolkata-Service Branch

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 PUNB0800410:

• 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 KOLKATA-SERVICE BRANCH is still linked to IFSC PUNB0800410.

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 PUNB0800410

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 – KOLKATA-SERVICE BRANCH is still mapped to IFSC PUNB0800410. 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 PUNB0800410 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kolkata-Service Branch branch is mapped to IFSC PUNB0800410 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 PUNB0800410.

Banking services available

The Kolkata-Service Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-22424790.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC PUNB0800410

MICR & cheque-truncation details

Cheques drawn on the Kolkata-Service Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0800410 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC PUNB0800410

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the KOLKATA-SERVICE BRANCH 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 PUNB0800410 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 – KOLKATA-SERVICE BRANCH:

• The IFSC is exactly PUNB0800410 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-SERVICE BRANCH 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 Kolkata-Service Branch branch sits at SAGAR ESTATE,1ST FLOOR PREMISES NO.2,SARANI 700001. If you are travelling from outside Kolkata, search for the branch on a maps application using the bank name and locality, or call 33-22424790 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 PUNB0800410 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0800410 for Punjab National Bank – KOLKATA-SERVICE BRANCH, 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 Kolkata-Service Branch 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 PUNB0800410 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0800410 belongs to Punjab National Bank's KOLKATA-SERVICE BRANCH branch, located at SAGAR ESTATE,1ST FLOOR PREMISES NO.2,SARANI 700001 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.