IFSC Code of Punjab National Bank, Prayagraj- Rd Balika Inter Co Branch, Uttar Pradesh

If you are searching for the IFSC code of Punjab National Bank, PRAYAGRAJ- RD BALIKA INTER CO branch in PRAYAGRAJ, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is PUNB0520210. 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 PRAYAGRAJ- RD BALIKA INTER CO branch, and detailed step-by-step guides for using the IFSC PUNB0520210 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.

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 PRAYAGRAJ- RD BALIKA INTER CO branch, the IFSC PUNB0520210 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 520210 identifies this particular branch.

About the bank

Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Prayagraj- Rd Balika Inter Co branch in Prayagraj, Uttar Pradesh is part of this network and uses the IFSC code PUNB0520210 for all electronic settlement.

About the Prayagraj- Rd Balika Inter Co branch

The Prayagraj- Rd Balika Inter Co branch of Punjab National Bank is situated at R.D BALIKA INTER COLGE 497 MEERAPUR 211002. 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 PUNB0520210 is used.

Branch details at a glance

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 PRAYAGRAJ- RD BALIKA INTER CO of Punjab National Bank — its own 11-character IFSC. The code PUNB0520210 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 PUNB0520210 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Prayagraj- Rd Balika Inter Co branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0520210 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 PUNB0520210

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 PUNB0520210 across all three.

NEFT to Punjab National Bank, PRAYAGRAJ- RD BALIKA INTER CO using IFSC PUNB0520210

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 PUNB0520210, and confirm that the system picks up Punjab National Bank – PRAYAGRAJ- RD BALIKA INTER CO. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to PRAYAGRAJ- RD BALIKA INTER CO

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's PRAYAGRAJ- RD BALIKA INTER CO branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0520210 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 – PRAYAGRAJ- RD BALIKA INTER CO, use IMPS. With IFSC PUNB0520210 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 PUNB0520210 for Punjab National Bank – PRAYAGRAJ- RD BALIKA INTER CO, 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 Prayagraj- Rd Balika Inter Co 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 PRAYAGRAJ- RD BALIKA INTER CO branch, the IFSC PUNB0520210 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.

Account types you can open at the Prayagraj- Rd Balika Inter Co branch

Once you have an account at Punjab National Bank – PRAYAGRAJ- RD BALIKA INTER CO, the IFSC PUNB0520210 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.

Products and services

Customers walking into the Prayagraj- Rd Balika Inter Co 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 PUNB0520210

Digital banking channels

Most day-to-day work that customers used to do at the Prayagraj- Rd Balika Inter Co 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 PUNB0520210 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.

Reaching the branch

The Prayagraj- Rd Balika Inter Co branch sits at R.D BALIKA INTER COLGE 497 MEERAPUR 211002. If you are travelling from outside Prayagraj, search for the branch on a maps application using the bank name and locality, or call 532-2451727 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 PUNB0520210 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 – PRAYAGRAJ- RD BALIKA INTER CO:

• The IFSC is exactly PUNB0520210 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 PRAYAGRAJ- RD BALIKA INTER CO 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 Prayagraj- Rd Balika Inter Co branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0520210, however, work 24x7.

Verifying IFSC PUNB0520210 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 PUNB0520210 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 532-2451727.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0520210 is the IFSC code of Punjab National Bank, PRAYAGRAJ- RD BALIKA INTER CO branch, in PRAYAGRAJ, UTTAR PRADESH. 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.