Use this page as a one-stop reference for everything related to Punjab National Bank's NETRA branch in NETRA, WEST BENGAL. The branch's IFSC code PUNB0049610 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.
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, PUNB0049610 is the IFSC of Punjab National Bank's NETRA branch. The format is fixed: PUNB = bank code, 0 = reserved, 049610 = branch identifier.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Netra |
| IFSC Code | PUNB0049610 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL POST NETRA PS DIAMOND HARBOUR, 743368 |
| City | Netra |
| District | South Twenty Four Parganas |
| State | West Bengal |
| STD Code | 3174 |
| Phone | 200134 |
About Punjab National Bank
Punjab National Bank operates a wide network of branches across India, including the Netra branch in Netra. 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, PUNB0049610.
About the Netra branch
The Netra branch of Punjab National Bank is situated at VILL POST NETRA PS DIAMOND HARBOUR, 743368. 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 PUNB0049610 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 NETRA of Punjab National Bank — its own 11-character IFSC. The code PUNB0049610 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 PUNB0049610 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 PUNB0049610
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 PUNB0049610 across all three.
How to use IFSC PUNB0049610 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's NETRA branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC PUNB0049610.
- Confirm the bank name auto-populates as Punjab National Bank and the branch as NETRA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to NETRA
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's NETRA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0049610 while initiating the transfer and the credit will appear within minutes.
IMPS to Punjab National Bank NETRA (IFSC PUNB0049610)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0049610 in your mobile or internet banking app, and the money is credited to the NETRA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0049610 for Punjab National Bank – NETRA, 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 – PUNB0049610 | Yes – PUNB0049610 | Yes – PUNB0049610 |
For most retail customers crediting the Netra 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 PUNB0049610
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 – NETRA is still mapped to IFSC PUNB0049610. 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 PUNB0049610 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Netra branch is mapped to IFSC PUNB0049610 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 PUNB0049610.
Products and services
Customers walking into the Netra 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 PUNB0049610
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 PUNB0049610 and the account number together uniquely identify the Netra branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC PUNB0049610
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the NETRA 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 PUNB0049610 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 – NETRA:
- The IFSC is exactly PUNB0049610 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 NETRA 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.
Reaching the branch
The Netra branch sits at VILL POST NETRA PS DIAMOND HARBOUR, 743368. If you are travelling from outside Netra, search for the branch on a maps application using the bank name and locality, or call 3174-200134 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 PUNB0049610 and your account number.
Verifying IFSC PUNB0049610 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 PUNB0049610 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 3174-200134.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Netra 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 PUNB0049610 continue to work without interruption.
Branch address & contact
Punjab National BankNetra Branch
VILL POST NETRA PS DIAMOND HARBOUR, 743368
Netra, West Bengal
Phone: 3174-200134
IFSC: PUNB0049610
Frequently asked questions
How quickly will an NEFT transfer using PUNB0049610 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Netra reflect within 30 minutes.
Is IFSC PUNB0049610 the same for all accounts at Netra branch?
Yes. The IFSC PUNB0049610 is shared by every account held at Punjab National Bank's Netra branch. Only the account number changes from customer to customer.
What is the phone number of Punjab National Bank Netra branch?
You can reach the branch at 3174-200134 during regular banking hours.
Can I use IFSC PUNB0049610 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0049610 to send funds instantly.
Is IFSC PUNB0049610 valid for NEFT and RTGS?
Yes. IFSC PUNB0049610 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 Netra branch but serve different purposes.
Summary
The IFSC code PUNB0049610 belongs to Punjab National Bank's NETRA branch, located at VILL POST NETRA PS DIAMOND HARBOUR, 743368 in NETRA, 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.
