IFSC Code of Punjab National Bank, C Chest BO Gandhi Nagar, Patna Branch, Bihar

Use this page as a one-stop reference for everything related to Punjab National Bank's C CHEST BO GANDHI NAGAR, PATNA branch in PATNA, BIHAR. The branch's IFSC code PUNB0713300 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 – C CHEST BO GANDHI NAGAR, PATNA is PUNB0713300. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 713300 map to this branch in PATNA, BIHAR.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The C Chest BO Gandhi Nagar, Patna branch — IFSC PUNB0713300 — extends the bank's services to customers in and around Patna, Bihar.

Branch details at a glance

C Chest BO Gandhi Nagar, Patna branch overview

Located at PUNJAB NATIONAL BANK, the C Chest BO Gandhi Nagar, Patna branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0713300 is required for all interbank electronic transfers routed through this branch.

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 C CHEST BO GANDHI NAGAR, PATNA branch came to be assigned the code PUNB0713300.

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 PUNB0713300, money simply cannot be routed to the C CHEST BO GANDHI NAGAR, PATNA branch electronically.

Products and account variants supported

Every account opened at the C Chest BO Gandhi Nagar, Patna branch is mapped to IFSC PUNB0713300 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 PUNB0713300.

Products and services

Customers walking into the C Chest BO Gandhi Nagar, Patna 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 PUNB0713300

How to transfer money using IFSC PUNB0713300

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 PUNB0713300 across all three.

NEFT to Punjab National Bank, C CHEST BO GANDHI NAGAR, PATNA using IFSC PUNB0713300

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 PUNB0713300, and confirm that the system picks up Punjab National Bank – C CHEST BO GANDHI NAGAR, PATNA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to C CHEST BO GANDHI NAGAR, PATNA

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's C CHEST BO GANDHI NAGAR, PATNA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0713300 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank C CHEST BO GANDHI NAGAR, PATNA (IFSC PUNB0713300)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0713300 in your mobile or internet banking app, and the money is credited to the C CHEST BO GANDHI NAGAR, PATNA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to C Chest BO Gandhi Nagar, Patna

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC PUNB0713300:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at C CHEST BO GANDHI NAGAR, PATNA is still linked to IFSC PUNB0713300.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC PUNB0713300

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 – C CHEST BO GANDHI NAGAR, PATNA is still mapped to IFSC PUNB0713300. 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 PUNB0713300 and the beneficiary's account number to complete the transfer.

Online banking and IFSC PUNB0713300

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the C CHEST BO GANDHI NAGAR, PATNA 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 PUNB0713300 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 & cheque-truncation details

Cheques drawn on the C Chest BO Gandhi Nagar, Patna branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0713300 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC PUNB0713300

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 – C CHEST BO GANDHI NAGAR, PATNA, 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: PUNB0713300.
• 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.

Reaching the branch

The C Chest BO Gandhi Nagar, Patna branch sits at PUNJAB NATIONAL BANK. If you are travelling from outside Patna, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 PUNB0713300 and your account number.

Verifying IFSC PUNB0713300 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 PUNB0713300 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on the branch contact number.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at C Chest BO Gandhi Nagar, Patna 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 PUNB0713300 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0713300 is the IFSC code of Punjab National Bank, C CHEST BO GANDHI NAGAR, PATNA branch, in PATNA, BIHAR. 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.