IFSC Code of Punjab National Bank, Krishnagarh, Distt. Bhojpur ,B Branch, Bihar

Use this page as a one-stop reference for everything related to Punjab National Bank's KRISHNAGARH, DISTT. BHOJPUR ,B branch in KRISHNA GARH DT BHOJPUR, BIHAR. The branch's IFSC code PUNB0161700 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 KRISHNAGARH, DISTT. BHOJPUR ,B branch, the IFSC PUNB0161700 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 161700 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 Krishnagarh, Distt. Bhojpur ,B branch — IFSC PUNB0161700 — extends the bank's services to customers in and around Krishna Garh Dt Bhojpur, Bihar.

About the Krishnagarh, Distt. Bhojpur ,B branch

The Krishnagarh, Distt. Bhojpur ,B branch of Punjab National Bank is situated at DIST.-BHOJPUR. 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 PUNB0161700 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 KRISHNAGARH, DISTT. BHOJPUR ,B of Punjab National Bank — its own 11-character IFSC. The code PUNB0161700 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 PUNB0161700 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 PUNB0161700

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 PUNB0161700 across all three.

NEFT to Punjab National Bank, KRISHNAGARH, DISTT. BHOJPUR ,B using IFSC PUNB0161700

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 PUNB0161700, and confirm that the system picks up Punjab National Bank – KRISHNAGARH, DISTT. BHOJPUR ,B. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PUNB0161700

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 – KRISHNAGARH, DISTT. BHOJPUR ,B, ensure your bank's portal accepts IFSC PUNB0161700 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank KRISHNAGARH, DISTT. BHOJPUR ,B (IFSC PUNB0161700)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0161700 in your mobile or internet banking app, and the money is credited to the KRISHNAGARH, DISTT. BHOJPUR ,B branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Krishnagarh, Distt. Bhojpur ,B

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 PUNB0161700:

• 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 KRISHNAGARH, DISTT. BHOJPUR ,B is still linked to IFSC PUNB0161700.

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 KRISHNAGARH, DISTT. BHOJPUR ,B branch, the IFSC PUNB0161700 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.

Account types you can open at the Krishnagarh, Distt. Bhojpur ,B branch

Once you have an account at Punjab National Bank – KRISHNAGARH, DISTT. BHOJPUR ,B, the IFSC PUNB0161700 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Krishnagarh, Distt. Bhojpur ,B 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 PUNB0161700

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 PUNB0161700 and the account number together uniquely identify the Krishnagarh, Distt. Bhojpur ,B branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Krishnagarh, Distt. Bhojpur ,B 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 PUNB0161700 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.

Common mistakes to avoid when using IFSC PUNB0161700

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 – KRISHNAGARH, DISTT. BHOJPUR ,B, 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: PUNB0161700.
• 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 Krishnagarh, Distt. Bhojpur ,B branch

The branch is located at DIST.-BHOJPUR, which puts it inside Krishna Garh Dt Bhojpur, the broader Krishna Garh Dt Bhojpur district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Krishnagarh, Distt. Bhojpur ,B branch” — the verified location pin for IFSC PUNB0161700 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 PUNB0161700 and your account number.

Verifying IFSC PUNB0161700 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 PUNB0161700 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.

Working hours

Branch counters at Krishnagarh, Distt. Bhojpur ,B 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 PUNB0161700 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0161700 belongs to Punjab National Bank's KRISHNAGARH, DISTT. BHOJPUR ,B branch, located at DIST.-BHOJPUR in KRISHNA GARH DT BHOJPUR, 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.