IFSC Code of Punjab National Bank, Madhpur, Distt. Midnapur ,Wb Branch, West Bengal

Use this page as a one-stop reference for everything related to Punjab National Bank's MADHPUR, DISTT. MIDNAPUR ,WB branch in MADPUR, MIDNAPORE, WEST BENGAL. The branch's IFSC code PUNB0320900 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 – MADHPUR, DISTT. MIDNAPUR ,WB is PUNB0320900. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 320900 map to this branch in MADPUR, MIDNAPORE, WEST BENGAL.

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Madhpur, Distt. Midnapur ,Wb branch in Madpur, Midnapore. 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, PUNB0320900.

Branch details at a glance

About this branch

The branch is located at VILL & PO MADPUR. It serves the Madpur, Midnapore region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Punjab National Bank. The IFSC PUNB0320900 is used to identify this branch on the RBI payments network.

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 MADHPUR, DISTT. MIDNAPUR ,WB of Punjab National Bank — its own 11-character IFSC. The code PUNB0320900 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 PUNB0320900 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Madhpur, Distt. Midnapur ,Wb branch is mapped to IFSC PUNB0320900 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 PUNB0320900.

Banking services available

The Madhpur, Distt. Midnapur ,Wb 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 PUNB0320900

How to transfer money using IFSC PUNB0320900

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 PUNB0320900 across all three.

NEFT to Punjab National Bank, MADHPUR, DISTT. MIDNAPUR ,WB using IFSC PUNB0320900

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 PUNB0320900, and confirm that the system picks up Punjab National Bank – MADHPUR, DISTT. MIDNAPUR ,WB. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PUNB0320900

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 – MADHPUR, DISTT. MIDNAPUR ,WB, ensure your bank's portal accepts IFSC PUNB0320900 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank MADHPUR, DISTT. MIDNAPUR ,WB (IFSC PUNB0320900)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0320900 in your mobile or internet banking app, and the money is credited to the MADHPUR, DISTT. MIDNAPUR ,WB branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC PUNB0320900 for Punjab National Bank – MADHPUR, DISTT. MIDNAPUR ,WB, 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.

For most retail customers crediting the Madhpur, Distt. Midnapur ,Wb 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.

UPI payments and IFSC PUNB0320900

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Punjab National Bank – MADHPUR, DISTT. MIDNAPUR ,WB is still mapped to IFSC PUNB0320900. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC PUNB0320900 and the beneficiary's account number to complete the transfer.

Online banking and IFSC PUNB0320900

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the MADHPUR, DISTT. MIDNAPUR ,WB 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 PUNB0320900 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.

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 PUNB0320900 and the account number together uniquely identify the Madhpur, Distt. Midnapur ,Wb branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC PUNB0320900

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 – MADHPUR, DISTT. MIDNAPUR ,WB, 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: PUNB0320900.
• 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 Madhpur, Distt. Midnapur ,Wb branch

The branch is located at VILL & PO MADPUR, which puts it inside Madpur, Midnapore, the broader West Midnapore, West Bengal district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Madhpur, Distt. Midnapur ,Wb branch” — the verified location pin for IFSC PUNB0320900 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 PUNB0320900 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0320900 for Punjab National Bank – MADHPUR, DISTT. MIDNAPUR ,WB, 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.

Working hours

Branch counters at Madhpur, Distt. Midnapur ,Wb 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 PUNB0320900 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0320900 belongs to Punjab National Bank's MADHPUR, DISTT. MIDNAPUR ,WB branch, located at VILL & PO MADPUR in MADPUR, MIDNAPORE, WEST BENGAL. 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.