Use this page as a one-stop reference for everything related to Punjab National Bank's BIDYADHARPUR TWENTY PARGANA SOUTH branch in PARGANAS SOUTH, WEST BENGAL. The branch's IFSC code PUNB0198010 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, PUNB0198010 is the IFSC of Punjab National Bank's BIDYADHARPUR TWENTY PARGANA SOUTH branch. The format is fixed: PUNB = bank code, 0 = reserved, 198010 = branch identifier.
About Punjab National Bank
Punjab National Bank operates a wide network of branches across India, including the Bidyadharpur Twenty Pargana South branch in Parganas South. 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, PUNB0198010.
About this branch
The branch is located at VILLBIDYADHARPUR POSONARPUR 700150. It serves the Parganas South 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 PUNB0198010 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Bidyadharpur Twenty Pargana South |
| IFSC Code | PUNB0198010 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILLBIDYADHARPUR POSONARPUR 700150 |
| City | Parganas South |
| District | South Twenty Four Parganas |
| State | West Bengal |
| STD Code | 3174 |
| Phone | 9051306387 |
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 BIDYADHARPUR TWENTY PARGANA SOUTH branch came to be assigned the code PUNB0198010.
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 PUNB0198010, money simply cannot be routed to the BIDYADHARPUR TWENTY PARGANA SOUTH branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Bidyadharpur Twenty Pargana South branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0198010 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC PUNB0198010
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 PUNB0198010 across all three.
NEFT to Punjab National Bank, BIDYADHARPUR TWENTY PARGANA SOUTH using IFSC PUNB0198010
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 PUNB0198010, and confirm that the system picks up Punjab National Bank – BIDYADHARPUR TWENTY PARGANA SOUTH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC PUNB0198010
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 – BIDYADHARPUR TWENTY PARGANA SOUTH, ensure your bank's portal accepts IFSC PUNB0198010 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Punjab National Bank – BIDYADHARPUR TWENTY PARGANA SOUTH, use IMPS. With IFSC PUNB0198010 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0198010 for Punjab National Bank – BIDYADHARPUR TWENTY PARGANA SOUTH, 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 – PUNB0198010 | Yes – PUNB0198010 | Yes – PUNB0198010 |
For most retail customers crediting the Bidyadharpur Twenty Pargana South 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 BIDYADHARPUR TWENTY PARGANA SOUTH branch, the IFSC PUNB0198010 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 Bidyadharpur Twenty Pargana South branch is mapped to IFSC PUNB0198010 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 PUNB0198010.
Banking services available
The Bidyadharpur Twenty Pargana South branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 3174-9051306387.
- 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 PUNB0198010
Online banking and IFSC PUNB0198010
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the BIDYADHARPUR TWENTY PARGANA SOUTH 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 PUNB0198010 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.
Reaching the branch
The Bidyadharpur Twenty Pargana South branch sits at VILLBIDYADHARPUR POSONARPUR 700150. If you are travelling from outside Parganas South, search for the branch on a maps application using the bank name and locality, or call 3174-9051306387 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 PUNB0198010 and your account number.
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 – BIDYADHARPUR TWENTY PARGANA SOUTH:
- The IFSC is exactly PUNB0198010 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 BIDYADHARPUR TWENTY PARGANA SOUTH 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.
Working hours
Branch counters at Bidyadharpur Twenty Pargana South 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 PUNB0198010 continue to work without interruption.
Verifying IFSC PUNB0198010 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 PUNB0198010 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 3174-9051306387.
- Visiting the bank's official branch locator page.
Branch address & contact
Punjab National BankBidyadharpur Twenty Pargana South Branch
VILLBIDYADHARPUR POSONARPUR 700150
Parganas South, West Bengal
Phone: 3174-9051306387
IFSC: PUNB0198010
Frequently asked questions
Is IFSC PUNB0198010 the same for all accounts at Bidyadharpur Twenty Pargana South branch?
Yes. The IFSC PUNB0198010 is shared by every account held at Punjab National Bank's Bidyadharpur Twenty Pargana South branch. Only the account number changes from customer to customer.
Is IFSC PUNB0198010 valid for NEFT and RTGS?
Yes. IFSC PUNB0198010 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Punjab National Bank Bidyadharpur Twenty Pargana South branch?
The IFSC code of Punjab National Bank, Bidyadharpur Twenty Pargana South branch is PUNB0198010. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Punjab National Bank Bidyadharpur Twenty Pargana South branch?
You can reach the branch at 3174-9051306387 during regular banking hours.
Where is Punjab National Bank Bidyadharpur Twenty Pargana South branch located?
Punjab National Bank's Bidyadharpur Twenty Pargana South branch is located at VILLBIDYADHARPUR POSONARPUR 700150, Parganas South, West Bengal.
How do I add Punjab National Bank Bidyadharpur Twenty Pargana South as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0198010, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Bidyadharpur Twenty Pargana South branch but serve different purposes.
Summary
The IFSC code PUNB0198010 belongs to Punjab National Bank's BIDYADHARPUR TWENTY PARGANA SOUTH branch, located at VILLBIDYADHARPUR POSONARPUR 700150 in PARGANAS SOUTH, 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.
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