If you are searching for the IFSC code of Punjab National Bank, PETRAPOLE branch in PETRAPOLE, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is PUNB0220820. 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 PETRAPOLE branch, and detailed step-by-step guides for using the IFSC PUNB0220820 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, PUNB0220820 is the IFSC of Punjab National Bank's PETRAPOLE branch. The format is fixed: PUNB = bank code, 0 = reserved, 220820 = branch identifier.
Bank profile
Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Petrapole branch — IFSC PUNB0220820 — extends the bank's services to customers in and around Petrapole, West Bengal.
About the Petrapole branch
The Petrapole branch of Punjab National Bank is situated at VILL PO AND PS PETRAPOLENORTH 24 PARGANAS PIN743405. 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 PUNB0220820 is used.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Petrapole |
| IFSC Code | PUNB0220820 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL PO AND PS PETRAPOLENORTH 24 PARGANAS PIN743405 |
| City | Petrapole |
| District | North 24 Parganas |
| State | West Bengal |
| STD Code | 3215 |
| Phone | 245399 |
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 PETRAPOLE of Punjab National Bank — its own 11-character IFSC. The code PUNB0220820 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 PUNB0220820 the same way you would treat your account number — verify it once and save it carefully for future use.
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 PUNB0220820 and the account number together uniquely identify the Petrapole branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC PUNB0220820
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 PUNB0220820 across all three.
NEFT to Punjab National Bank, PETRAPOLE using IFSC PUNB0220820
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 PUNB0220820, and confirm that the system picks up Punjab National Bank – PETRAPOLE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to PETRAPOLE
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's PETRAPOLE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0220820 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Punjab National Bank – PETRAPOLE, use IMPS. With IFSC PUNB0220820 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 PUNB0220820 for Punjab National Bank – PETRAPOLE, 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 – PUNB0220820 | Yes – PUNB0220820 | Yes – PUNB0220820 |
For most retail customers crediting the Petrapole 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 PUNB0220820
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 – PETRAPOLE is still mapped to IFSC PUNB0220820. 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 PUNB0220820 and the beneficiary's account number to complete the transfer.
Account types you can open at the Petrapole branch
Once you have an account at Punjab National Bank – PETRAPOLE, the IFSC PUNB0220820 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 Petrapole branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 3215-245399.
- 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 PUNB0220820
Online banking and IFSC PUNB0220820
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the PETRAPOLE 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 PUNB0220820 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.
How to reach the Petrapole branch
The branch is located at VILL PO AND PS PETRAPOLENORTH 24 PARGANAS PIN743405, which puts it inside Petrapole, the broader North 24 Parganas district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Petrapole branch” — the verified location pin for IFSC PUNB0220820 should appear at the top of the results.
- Confirm the branch is open by calling 3215-245399 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 PUNB0220820 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 – PETRAPOLE:
- The IFSC is exactly PUNB0220820 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 PETRAPOLE 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.
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 Petrapole branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0220820, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC PUNB0220820 for Punjab National Bank – PETRAPOLE, 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.
Branch address & contact
Punjab National BankPetrapole Branch
VILL PO AND PS PETRAPOLENORTH 24 PARGANAS PIN743405
Petrapole, West Bengal
Phone: 3215-245399
IFSC: PUNB0220820
Frequently asked questions
How do I add Punjab National Bank Petrapole as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0220820, 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 Petrapole branch but serve different purposes.
Can I use IFSC PUNB0220820 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0220820 to send funds instantly.
How quickly will an NEFT transfer using PUNB0220820 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Petrapole reflect within 30 minutes.
What is the IFSC code of Punjab National Bank Petrapole branch?
The IFSC code of Punjab National Bank, Petrapole branch is PUNB0220820. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC PUNB0220820 the same for all accounts at Petrapole branch?
Yes. The IFSC PUNB0220820 is shared by every account held at Punjab National Bank's Petrapole branch. Only the account number changes from customer to customer.
Is IFSC PUNB0220820 valid for NEFT and RTGS?
Yes. IFSC PUNB0220820 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Punjab National Bank Petrapole branch located?
Punjab National Bank's Petrapole branch is located at VILL PO AND PS PETRAPOLENORTH 24 PARGANAS PIN743405, Petrapole, West Bengal.
Summary
The IFSC code PUNB0220820 belongs to Punjab National Bank's PETRAPOLE branch, located at VILL PO AND PS PETRAPOLENORTH 24 PARGANAS PIN743405 in PETRAPOLE, 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.
