IFSC Code of Punjab National Bank, Kothia, Distt. Darbhanga ,Biha Branch, Bihar

Use this page as a one-stop reference for everything related to Punjab National Bank's KOTHIA, DISTT. DARBHANGA ,BIHA branch in KOTHIA, DISTT. DARBHANGA, BIHAR. The branch's IFSC code PUNB0160800 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Punjab National Bank – KOTHIA, DISTT. DARBHANGA ,BIHA is PUNB0160800. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 160800 map to this branch in KOTHIA, DISTT. DARBHANGA, BIHAR.

Branch details at a glance

About the bank

Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kothia, Distt. Darbhanga ,Biha branch in Kothia, Distt. Darbhanga, Bihar is part of this network and uses the IFSC code PUNB0160800 for all electronic settlement.

About the Kothia, Distt. Darbhanga ,Biha branch

The Kothia, Distt. Darbhanga ,Biha branch of Punjab National Bank is situated at DIST.-DARBHANGA. 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 PUNB0160800 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 KOTHIA, DISTT. DARBHANGA ,BIHA of Punjab National Bank — its own 11-character IFSC. The code PUNB0160800 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 PUNB0160800 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC PUNB0160800

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 PUNB0160800 across all three.

NEFT to Punjab National Bank, KOTHIA, DISTT. DARBHANGA ,BIHA using IFSC PUNB0160800

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 PUNB0160800, and confirm that the system picks up Punjab National Bank – KOTHIA, DISTT. DARBHANGA ,BIHA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PUNB0160800

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 – KOTHIA, DISTT. DARBHANGA ,BIHA, ensure your bank's portal accepts IFSC PUNB0160800 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank KOTHIA, DISTT. DARBHANGA ,BIHA (IFSC PUNB0160800)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0160800 in your mobile or internet banking app, and the money is credited to the KOTHIA, DISTT. DARBHANGA ,BIHA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kothia, Distt. Darbhanga ,Biha

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 PUNB0160800:

• 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 KOTHIA, DISTT. DARBHANGA ,BIHA is still linked to IFSC PUNB0160800.

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 KOTHIA, DISTT. DARBHANGA ,BIHA branch, the IFSC PUNB0160800 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 Kothia, Distt. Darbhanga ,Biha branch is mapped to IFSC PUNB0160800 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 PUNB0160800.

Banking services available

The Kothia, Distt. Darbhanga ,Biha 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 PUNB0160800

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 PUNB0160800 and the account number together uniquely identify the Kothia, Distt. Darbhanga ,Biha branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC PUNB0160800

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the KOTHIA, DISTT. DARBHANGA ,BIHA 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 PUNB0160800 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.

Common mistakes to avoid when using IFSC PUNB0160800

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 – KOTHIA, DISTT. DARBHANGA ,BIHA, 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: PUNB0160800.
• 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.

Reaching the branch

The Kothia, Distt. Darbhanga ,Biha branch sits at DIST.-DARBHANGA. If you are travelling from outside Kothia, Distt. Darbhanga, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 PUNB0160800 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0160800 for Punjab National Bank – KOTHIA, DISTT. DARBHANGA ,BIHA, 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 Kothia, Distt. Darbhanga ,Biha branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0160800, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0160800 belongs to Punjab National Bank's KOTHIA, DISTT. DARBHANGA ,BIHA branch, located at DIST.-DARBHANGA in KOTHIA, DISTT. DARBHANGA, BIHAR. 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.