Below are the complete branch details for Punjab National Bank, BO COSCA branch, located in LUCKNOW, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0927200. 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 PUNB0927200 for Punjab National Bank – BO COSCA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – BO COSCA is PUNB0927200. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 927200 map to this branch in LUCKNOW, UTTAR PRADESH.
About Punjab National Bank
Punjab National Bank operates a wide network of branches across India, including the BO Cosca branch in Lucknow. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, PUNB0927200.
BO Cosca branch overview
Located at 10 ASHOK MARG LUCKNOW UP LUCKN 226001, the BO Cosca branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0927200 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | BO Cosca |
| IFSC Code | PUNB0927200 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 10 ASHOK MARG LUCKNOW UP LUCKN 226001 |
| City | Lucknow |
| District | Lucknow |
| State | Uttar Pradesh |
| Phone | 5222288678 |
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 BO COSCA branch came to be assigned the code PUNB0927200.
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 PUNB0927200, money simply cannot be routed to the BO COSCA branch electronically.
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 PUNB0927200 and the account number together uniquely identify the BO Cosca branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC PUNB0927200
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 PUNB0927200 across all three.
NEFT to Punjab National Bank, BO COSCA using IFSC PUNB0927200
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 PUNB0927200, and confirm that the system picks up Punjab National Bank – BO COSCA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BO COSCA
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's BO COSCA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0927200 while initiating the transfer and the credit will appear within minutes.
IMPS to Punjab National Bank BO COSCA (IFSC PUNB0927200)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0927200 in your mobile or internet banking app, and the money is credited to the BO COSCA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0927200 for Punjab National Bank – BO COSCA, 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 – PUNB0927200 | Yes – PUNB0927200 | Yes – PUNB0927200 |
For most retail customers crediting the BO Cosca 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 BO COSCA branch, the IFSC PUNB0927200 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 BO Cosca branch is mapped to IFSC PUNB0927200 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 PUNB0927200.
Banking services available
The BO Cosca branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 5222288678.
- 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 PUNB0927200
Digital banking channels
Most day-to-day work that customers used to do at the BO Cosca 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 PUNB0927200 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 BO Cosca branch
The branch is located at 10 ASHOK MARG LUCKNOW UP LUCKN 226001, which puts it inside Lucknow, the broader Lucknow district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank BO Cosca branch” — the verified location pin for IFSC PUNB0927200 should appear at the top of the results.
- Confirm the branch is open by calling 5222288678 before stepping out, especially around public holidays.
- 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 PUNB0927200 and your account number.
Common mistakes to avoid when using IFSC PUNB0927200
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 – BO COSCA, 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:
PUNB0927200. - 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.
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 BO Cosca branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0927200, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC PUNB0927200 for Punjab National Bank – BO COSCA, 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 BankBO Cosca Branch
10 ASHOK MARG LUCKNOW UP LUCKN 226001
Lucknow, Uttar Pradesh
Phone: 5222288678
IFSC: PUNB0927200
Frequently asked questions
How do I add Punjab National Bank BO Cosca as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0927200, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Punjab National Bank BO Cosca branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 5222288678 to confirm.
What is the phone number of Punjab National Bank BO Cosca branch?
You can reach the branch at 5222288678 during regular banking hours.
What is the IFSC code of Punjab National Bank BO Cosca branch?
The IFSC code of Punjab National Bank, BO Cosca branch is PUNB0927200. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC PUNB0927200 valid for NEFT and RTGS?
Yes. IFSC PUNB0927200 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC PUNB0927200 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0927200 to send funds instantly.
Is IFSC PUNB0927200 the same for all accounts at BO Cosca branch?
Yes. The IFSC PUNB0927200 is shared by every account held at Punjab National Bank's BO Cosca branch. Only the account number changes from customer to customer.
Summary
The IFSC code PUNB0927200 belongs to Punjab National Bank's BO COSCA branch, located at 10 ASHOK MARG LUCKNOW UP LUCKN 226001 in LUCKNOW, UTTAR PRADESH. 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.
