IFSC Code of Punjab National Bank, Pincholi Branch, Odisha

Below are the complete branch details for Punjab National Bank, PINCHOLI branch, located in PURUSHOTTOMPUR, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0982800. 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 PUNB0982800 for Punjab National Bank – PINCHOLI — 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, PUNB0982800 is the IFSC of Punjab National Bank's PINCHOLI branch. The format is fixed: PUNB = bank code, 0 = reserved, 982800 = branch identifier.

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Pincholi branch in Purushottompur. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, PUNB0982800.

About the Pincholi branch

The Pincholi branch of Punjab National Bank is situated at VILL CHOLI TARATARINI CHHAK BLOCK PURSHOTTAMPUR DIST GANJAM ORISSA 761018. 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 PUNB0982800 is used.

Branch details at a glance

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 PINCHOLI branch came to be assigned the code PUNB0982800.

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 PUNB0982800, money simply cannot be routed to the PINCHOLI branch electronically.

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 PUNB0982800 and the account number together uniquely identify the Pincholi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC PUNB0982800

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 PUNB0982800 across all three.

NEFT to Punjab National Bank, PINCHOLI using IFSC PUNB0982800

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 PUNB0982800, and confirm that the system picks up Punjab National Bank – PINCHOLI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to PINCHOLI

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's PINCHOLI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0982800 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 – PINCHOLI, use IMPS. With IFSC PUNB0982800 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Pincholi

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 PUNB0982800:

• 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 PINCHOLI is still linked to IFSC PUNB0982800.

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 PUNB0982800

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 – PINCHOLI is still mapped to IFSC PUNB0982800. 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 PUNB0982800 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Pincholi branch is mapped to IFSC PUNB0982800 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 PUNB0982800.

Banking services available

The Pincholi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 7752027649.

• 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 PUNB0982800

Online banking and IFSC PUNB0982800

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the PINCHOLI 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 PUNB0982800 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 Pincholi branch

The branch is located at VILL CHOLI TARATARINI CHHAK BLOCK PURSHOTTAMPUR DIST GANJAM ORISSA 761018, which puts it inside Purushottompur, the broader Ganjam district, and the state of Odisha. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Pincholi branch” — the verified location pin for IFSC PUNB0982800 should appear at the top of the results.
2. Confirm the branch is open by calling 7752027649 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 PUNB0982800 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 – PINCHOLI:

• The IFSC is exactly PUNB0982800 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 PINCHOLI 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.

Working hours

Branch counters at Pincholi 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 PUNB0982800 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0982800 for Punjab National Bank – PINCHOLI, 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

Frequently asked questions

Summary

The IFSC code PUNB0982800 belongs to Punjab National Bank's PINCHOLI branch, located at VILL CHOLI TARATARINI CHHAK BLOCK PURSHOTTAMPUR DIST GANJAM ORISSA 761018 in PURUSHOTTOMPUR, 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.