IFSC Code of Punjab National Bank, Currency Chest Gaya Branch, Bihar

This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, CURRENCY CHEST GAYA branch in PATNA. The 11-digit IFSC PUNB0898300 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Punjab National Bank at the CURRENCY CHEST GAYA location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Punjab National Bank's CURRENCY CHEST GAYA branch, the IFSC PUNB0898300 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 898300 identifies this particular branch.

Branch details at a glance

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Currency Chest Gaya branch — IFSC PUNB0898300 — extends the bank's services to customers in and around Patna, Bihar.

About the Currency Chest Gaya branch

The Currency Chest Gaya branch of Punjab National Bank is situated at TOWER CHOWK CURRENCY CHEST GAYA BH GAYA 823001. 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 PUNB0898300 is used.

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 CURRENCY CHEST GAYA branch came to be assigned the code PUNB0898300.

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 PUNB0898300, money simply cannot be routed to the CURRENCY CHEST GAYA branch electronically.

How to transfer money using IFSC PUNB0898300

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 PUNB0898300 across all three.

How to use IFSC PUNB0898300 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's CURRENCY CHEST GAYA 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC PUNB0898300.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as CURRENCY CHEST GAYA.
5. 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 CURRENCY CHEST GAYA

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's CURRENCY CHEST GAYA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0898300 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank CURRENCY CHEST GAYA (IFSC PUNB0898300)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0898300 in your mobile or internet banking app, and the money is credited to the CURRENCY CHEST GAYA branch account within seconds.

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

All three modes accept the IFSC PUNB0898300 for Punjab National Bank – CURRENCY CHEST GAYA, 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 Currency Chest Gaya 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 PUNB0898300

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 – CURRENCY CHEST GAYA is still mapped to IFSC PUNB0898300. 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 PUNB0898300 and the beneficiary's account number to complete the transfer.

Account types you can open at the Currency Chest Gaya branch

Once you have an account at Punjab National Bank – CURRENCY CHEST GAYA, the IFSC PUNB0898300 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Currency Chest Gaya branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 11-23765326.

• 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 PUNB0898300

MICR & cheque-truncation details

Cheques drawn on the Currency Chest Gaya branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0898300 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Currency Chest Gaya branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC PUNB0898300 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

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 – CURRENCY CHEST GAYA:

• The IFSC is exactly PUNB0898300 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 CURRENCY CHEST GAYA 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 Currency Chest Gaya branch

The branch is located at TOWER CHOWK CURRENCY CHEST GAYA BH GAYA 823001, which puts it inside Patna, the broader Gaya district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Currency Chest Gaya branch” — the verified location pin for IFSC PUNB0898300 should appear at the top of the results.
2. Confirm the branch is open by calling 11-23765326 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 PUNB0898300 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0898300 for Punjab National Bank – CURRENCY CHEST GAYA, 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 Currency Chest Gaya 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 PUNB0898300 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0898300 belongs to Punjab National Bank's CURRENCY CHEST GAYA branch, located at TOWER CHOWK CURRENCY CHEST GAYA BH GAYA 823001 in PATNA, BIHAR. 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.