IFSC Code of Punjab National Bank, Purbachal Branch, West Bengal

If you are searching for the IFSC code of Punjab National Bank, PURBACHAL branch in KOLKATA, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is PUNB0139920. 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 PURBACHAL branch, and detailed step-by-step guides for using the IFSC PUNB0139920 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 PURBACHAL branch, the IFSC PUNB0139920 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 139920 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 Purbachal branch — IFSC PUNB0139920 — extends the bank's services to customers in and around Kolkata, West Bengal.

Branch details at a glance

About this branch

The branch is located at IA,LOCAL CENTRE(1STFL),SALT LAKE CITY. 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 PUNB0139920 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 PURBACHAL of Punjab National Bank — its own 11-character IFSC. The code PUNB0139920 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 PUNB0139920 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 Purbachal branch is mapped to IFSC PUNB0139920 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 PUNB0139920.

Banking services available

The Purbachal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• 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 PUNB0139920

How to transfer money using IFSC PUNB0139920

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 PUNB0139920 across all three.

How to use IFSC PUNB0139920 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's PURBACHAL 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 PUNB0139920.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as PURBACHAL.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to PURBACHAL

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's PURBACHAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0139920 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank PURBACHAL (IFSC PUNB0139920)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0139920 in your mobile or internet banking app, and the money is credited to the PURBACHAL branch account within seconds.

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

All three modes accept the IFSC PUNB0139920 for Punjab National Bank – PURBACHAL, 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 Purbachal 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 PURBACHAL branch, the IFSC PUNB0139920 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 PUNB0139920

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the PURBACHAL 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 PUNB0139920 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 Purbachal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0139920 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC PUNB0139920

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Punjab National Bank – PURBACHAL, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: PUNB0139920.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the Purbachal branch

The branch is located at IA,LOCAL CENTRE(1STFL),SALT LAKE CITY, which puts it inside Kolkata, the broader Kolkata district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Purbachal branch” — the verified location pin for IFSC PUNB0139920 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 PUNB0139920 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0139920 for Punjab National Bank – PURBACHAL, 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.

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 Purbachal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0139920, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0139920 is the IFSC code of Punjab National Bank, PURBACHAL 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.