IFSC Code of Punjab National Bank, Kota Bhimganj Mandi, Distt. Ko Branch, Rajasthan

Below are the complete branch details for Punjab National Bank, KOTA BHIMGANJ MANDI, DISTT. KO branch, located in KOTA, RAJASTHAN. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0237900. 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 PUNB0237900 for Punjab National Bank – KOTA BHIMGANJ MANDI, DISTT. KO — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 KOTA BHIMGANJ MANDI, DISTT. KO branch, the IFSC PUNB0237900 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 237900 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 Kota Bhimganj Mandi, Distt. Ko branch — IFSC PUNB0237900 — extends the bank's services to customers in and around Kota, Rajasthan.

Kota Bhimganj Mandi, Distt. Ko branch overview

Located at BHIMGANJ MANDI, the Kota Bhimganj Mandi, Distt. Ko branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0237900 is required for all interbank electronic transfers routed through this branch.

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 KOTA BHIMGANJ MANDI, DISTT. KO branch came to be assigned the code PUNB0237900.

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 PUNB0237900, money simply cannot be routed to the KOTA BHIMGANJ MANDI, DISTT. KO branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Kota Bhimganj Mandi, Distt. Ko branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0237900 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC PUNB0237900

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 PUNB0237900 across all three.

NEFT to Punjab National Bank, KOTA BHIMGANJ MANDI, DISTT. KO using IFSC PUNB0237900

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 PUNB0237900, and confirm that the system picks up Punjab National Bank – KOTA BHIMGANJ MANDI, DISTT. KO. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KOTA BHIMGANJ MANDI, DISTT. KO

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's KOTA BHIMGANJ MANDI, DISTT. KO branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0237900 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank KOTA BHIMGANJ MANDI, DISTT. KO (IFSC PUNB0237900)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0237900 in your mobile or internet banking app, and the money is credited to the KOTA BHIMGANJ MANDI, DISTT. KO branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kota Bhimganj Mandi, Distt. Ko

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 PUNB0237900:

• 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 KOTA BHIMGANJ MANDI, DISTT. KO is still linked to IFSC PUNB0237900.

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.

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 KOTA BHIMGANJ MANDI, DISTT. KO branch, the IFSC PUNB0237900 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 Kota Bhimganj Mandi, Distt. Ko branch is mapped to IFSC PUNB0237900 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 PUNB0237900.

Products and services

Customers walking into the Kota Bhimganj Mandi, Distt. Ko 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 PUNB0237900

Digital banking channels

Most day-to-day work that customers used to do at the Kota Bhimganj Mandi, Distt. Ko branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC PUNB0237900 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

How to reach the Kota Bhimganj Mandi, Distt. Ko branch

The branch is located at BHIMGANJ MANDI, which puts it inside Kota, the broader Kota Junction--Kota district, and the state of Rajasthan. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Kota Bhimganj Mandi, Distt. Ko branch” — the verified location pin for IFSC PUNB0237900 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 PUNB0237900 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 – KOTA BHIMGANJ MANDI, DISTT. KO:

• The IFSC is exactly PUNB0237900 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 KOTA BHIMGANJ MANDI, DISTT. KO 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 Kota Bhimganj Mandi, Distt. Ko branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0237900, however, work 24x7.

Verifying IFSC PUNB0237900 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 PUNB0237900 by:

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

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0237900 belongs to Punjab National Bank's KOTA BHIMGANJ MANDI, DISTT. KO branch, located at BHIMGANJ MANDI in KOTA, RAJASTHAN. 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.