If you are searching for the IFSC code of Punjab National Bank, NAILA branch in NAILA, CHHATTISGARH, this page has every detail you need. The verified IFSC code for this branch is PUNB0273100. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the NAILA branch, and detailed step-by-step guides for using the IFSC PUNB0273100 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, PUNB0273100 is the IFSC of Punjab National Bank's NAILA branch. The format is fixed: PUNB = bank code, 0 = reserved, 273100 = branch identifier.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Naila |
| IFSC Code | PUNB0273100 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NEAR RAILWAY STATION, NAILA |
| City | Naila |
| District | Naila |
| State | Chhattisgarh |
| STD Code | 0 |
| Phone | 0 |
About the bank
Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Naila branch in Naila, Chhattisgarh is part of this network and uses the IFSC code PUNB0273100 for all electronic settlement.
About this branch
The branch is located at NEAR RAILWAY STATION, NAILA. It serves the Naila 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 PUNB0273100 is used to identify this branch on the RBI payments network.
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 NAILA branch came to be assigned the code PUNB0273100.
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 PUNB0273100, money simply cannot be routed to the NAILA branch electronically.
How to transfer money using IFSC PUNB0273100
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 PUNB0273100 across all three.
NEFT to Punjab National Bank, NAILA using IFSC PUNB0273100
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 PUNB0273100, and confirm that the system picks up Punjab National Bank – NAILA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC PUNB0273100
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 – NAILA, ensure your bank's portal accepts IFSC PUNB0273100 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Punjab National Bank NAILA (IFSC PUNB0273100)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0273100 in your mobile or internet banking app, and the money is credited to the NAILA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0273100 for Punjab National Bank – NAILA, 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 – PUNB0273100 | Yes – PUNB0273100 | Yes – PUNB0273100 |
For most retail customers crediting the Naila 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 PUNB0273100
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 – NAILA is still mapped to IFSC PUNB0273100. 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 PUNB0273100 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Naila branch is mapped to IFSC PUNB0273100 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 PUNB0273100.
Banking services available
The Naila branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 0.
- 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 PUNB0273100
MICR & cheque-truncation details
Cheques drawn on the Naila branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0273100 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC PUNB0273100
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the NAILA 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 PUNB0273100 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.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Punjab National Bank – NAILA:
- The IFSC is exactly PUNB0273100 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Punjab National Bank as the bank name and NAILA as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
How to reach the Naila branch
The branch is located at NEAR RAILWAY STATION, NAILA, which puts it inside Naila, the broader Naila district, and the state of Chhattisgarh. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Naila branch” — the verified location pin for IFSC PUNB0273100 should appear at the top of the results.
- Confirm the branch is open by calling 0 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 PUNB0273100 and your account number.
Verifying IFSC PUNB0273100 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 PUNB0273100 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 0.
- Visiting the bank's official branch locator page.
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 Naila branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0273100, however, work 24x7.
Branch address & contact
Punjab National BankNaila Branch
NEAR RAILWAY STATION, NAILA
Naila, Chhattisgarh
Phone: 0
IFSC: PUNB0273100
Frequently asked questions
How do I add Punjab National Bank Naila as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0273100, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Punjab National Bank Naila branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 0 to confirm.
Where is Punjab National Bank Naila branch located?
Punjab National Bank's Naila branch is located at NEAR RAILWAY STATION, NAILA, Naila, Chhattisgarh.
How quickly will an NEFT transfer using PUNB0273100 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Naila reflect within 30 minutes.
What is the phone number of Punjab National Bank Naila branch?
You can reach the branch at 0 during regular banking hours.
What is the IFSC code of Punjab National Bank Naila branch?
The IFSC code of Punjab National Bank, Naila branch is PUNB0273100. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: PUNB0273100 is the IFSC code of Punjab National Bank, NAILA branch, in NAILA, CHHATTISGARH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
