IFSC Code of Punjab National Bank, Bira Harekrishnapur, Distt. Pu Branch, Odisha

Below are the complete branch details for Punjab National Bank, BIRA HAREKRISHNAPUR, DISTT. PU branch, located in PURI, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0322000. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case PUNB0322000 for Punjab National Bank – BIRA HAREKRISHNAPUR, DISTT. PU — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, PUNB0322000 is the IFSC of Punjab National Bank's BIRA HAREKRISHNAPUR, DISTT. PU branch. The format is fixed: PUNB = bank code, 0 = reserved, 322000 = branch identifier.

About the bank

Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bira Harekrishnapur, Distt. Pu branch in Puri, Odisha is part of this network and uses the IFSC code PUNB0322000 for all electronic settlement.

Branch details at a glance

About the Bira Harekrishnapur, Distt. Pu branch

The Bira Harekrishnapur, Distt. Pu branch of Punjab National Bank is situated at ORISSA. 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 PUNB0322000 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 BIRA HAREKRISHNAPUR, DISTT. PU branch came to be assigned the code PUNB0322000.

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 PUNB0322000, money simply cannot be routed to the BIRA HAREKRISHNAPUR, DISTT. PU branch electronically.

Account types you can open at the Bira Harekrishnapur, Distt. Pu branch

Once you have an account at Punjab National Bank – BIRA HAREKRISHNAPUR, DISTT. PU, the IFSC PUNB0322000 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 Bira Harekrishnapur, Distt. Pu branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 0.

• 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 PUNB0322000

How to transfer money using IFSC PUNB0322000

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 PUNB0322000 across all three.

How to use IFSC PUNB0322000 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's BIRA HAREKRISHNAPUR, DISTT. PU 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 PUNB0322000.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as BIRA HAREKRISHNAPUR, DISTT. PU.
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 BIRA HAREKRISHNAPUR, DISTT. PU

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's BIRA HAREKRISHNAPUR, DISTT. PU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0322000 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank BIRA HAREKRISHNAPUR, DISTT. PU (IFSC PUNB0322000)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0322000 in your mobile or internet banking app, and the money is credited to the BIRA HAREKRISHNAPUR, DISTT. PU branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bira Harekrishnapur, Distt. Pu

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 PUNB0322000:

• 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 BIRA HAREKRISHNAPUR, DISTT. PU is still linked to IFSC PUNB0322000.

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.

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 BIRA HAREKRISHNAPUR, DISTT. PU branch, the IFSC PUNB0322000 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.

Online banking and IFSC PUNB0322000

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the BIRA HAREKRISHNAPUR, DISTT. PU 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 PUNB0322000 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 Bira Harekrishnapur, Distt. Pu branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0322000 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 PUNB0322000

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 – BIRA HAREKRISHNAPUR, DISTT. PU, 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: PUNB0322000.
• 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.

How to reach the Bira Harekrishnapur, Distt. Pu branch

The branch is located at ORISSA, which puts it inside Puri, the broader Puri district, and the state of Odisha. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Bira Harekrishnapur, Distt. Pu branch” — the verified location pin for IFSC PUNB0322000 should appear at the top of the results.
2. Confirm the branch is open by calling 0 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 PUNB0322000 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0322000 for Punjab National Bank – BIRA HAREKRISHNAPUR, DISTT. PU, 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 Bira Harekrishnapur, Distt. Pu 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 PUNB0322000 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0322000 belongs to Punjab National Bank's BIRA HAREKRISHNAPUR, DISTT. PU branch, located at ORISSA in PURI, ODISHA. 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.