Use this page as a one-stop reference for everything related to Punjab National Bank's KURSELA branch in KURSELA, BIHAR. The branch's IFSC code PUNB0952400 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 KURSELA branch, the IFSC PUNB0952400 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 952400 identifies this particular branch.
About the bank
Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kursela branch in Kursela, Bihar is part of this network and uses the IFSC code PUNB0952400 for all electronic settlement.
About the Kursela branch
The Kursela branch of Punjab National Bank is situated at KURSELA CHOWK KURSELA DIST KATIHAR BIHAR BH PURNI 853204. 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 PUNB0952400 is used.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Kursela |
| IFSC Code | PUNB0952400 |
| MICR Code | Refer to cheque leaf |
| Branch Address | KURSELA CHOWK KURSELA DIST KATIHAR BIHAR BH PURNI 853204 |
| City | Kursela |
| District | Katihar |
| State | Bihar |
| STD Code | 11 |
| Phone | 23718172 |
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 KURSELA of Punjab National Bank — its own 11-character IFSC. The code PUNB0952400 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 PUNB0952400 the same way you would treat your account number — verify it once and save it carefully for future use.
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 PUNB0952400 and the account number together uniquely identify the Kursela branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC PUNB0952400
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 PUNB0952400 across all three.
NEFT to Punjab National Bank, KURSELA using IFSC PUNB0952400
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 PUNB0952400, and confirm that the system picks up Punjab National Bank – KURSELA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC PUNB0952400
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 – KURSELA, ensure your bank's portal accepts IFSC PUNB0952400 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Punjab National Bank KURSELA (IFSC PUNB0952400)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0952400 in your mobile or internet banking app, and the money is credited to the KURSELA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0952400 for Punjab National Bank – KURSELA, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – PUNB0952400 | Yes – PUNB0952400 | Yes – PUNB0952400 |
For most retail customers crediting the Kursela 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 KURSELA branch, the IFSC PUNB0952400 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 Kursela branch is mapped to IFSC PUNB0952400 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 PUNB0952400.
Products and services
Customers walking into the Kursela 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 PUNB0952400
Digital banking channels
Most day-to-day work that customers used to do at the Kursela 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 PUNB0952400 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.
Reaching the branch
The Kursela branch sits at KURSELA CHOWK KURSELA DIST KATIHAR BIHAR BH PURNI 853204. If you are travelling from outside Kursela, search for the branch on a maps application using the bank name and locality, or call 11-23718172 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 PUNB0952400 and your account number.
Common mistakes to avoid when using IFSC PUNB0952400
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 – KURSELA, 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:
PUNB0952400. - 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.
Working hours
Branch counters at Kursela 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 PUNB0952400 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC PUNB0952400 for Punjab National Bank – KURSELA, 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 address & contact
Punjab National BankKursela Branch
KURSELA CHOWK KURSELA DIST KATIHAR BIHAR BH PURNI 853204
Kursela, Bihar
Phone: 11-23718172
IFSC: PUNB0952400
Frequently asked questions
What is the phone number of Punjab National Bank Kursela branch?
You can reach the branch at 11-23718172 during regular banking hours.
How do I add Punjab National Bank Kursela as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0952400, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC PUNB0952400 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0952400 to send funds instantly.
Where is Punjab National Bank Kursela branch located?
Punjab National Bank's Kursela branch is located at KURSELA CHOWK KURSELA DIST KATIHAR BIHAR BH PURNI 853204, Kursela, Bihar.
Is IFSC PUNB0952400 valid for NEFT and RTGS?
Yes. IFSC PUNB0952400 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Kursela branch but serve different purposes.
Summary
The IFSC code PUNB0952400 belongs to Punjab National Bank's KURSELA branch, located at KURSELA CHOWK KURSELA DIST KATIHAR BIHAR BH PURNI 853204 in KURSELA, 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.
