IFSC Code of Punjab National Bank, Mishra Kheda Dist Raebareily Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Punjab National Bank's MISHRA KHEDA DIST RAEBAREILY branch in RAE BAREILLY, UTTAR PRADESH. The branch's IFSC code PUNB0192710 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 MISHRA KHEDA DIST RAEBAREILY branch, the IFSC PUNB0192710 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 192710 identifies this particular branch.

Branch details at a glance

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Mishra Kheda Dist Raebareily branch in Rae Bareilly. 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, PUNB0192710.

Mishra Kheda Dist Raebareily branch overview

Located at VILL P.O.MISHRA KHEDA THANA-GURBAXGANJ, DIST 229122, the Mishra Kheda Dist Raebareily branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0192710 is required for all interbank electronic transfers routed through this branch.

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 MISHRA KHEDA DIST RAEBAREILY branch came to be assigned the code PUNB0192710.

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 PUNB0192710, money simply cannot be routed to the MISHRA KHEDA DIST RAEBAREILY branch electronically.

How to transfer money using IFSC PUNB0192710

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 PUNB0192710 across all three.

NEFT to Punjab National Bank, MISHRA KHEDA DIST RAEBAREILY using IFSC PUNB0192710

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 PUNB0192710, and confirm that the system picks up Punjab National Bank – MISHRA KHEDA DIST RAEBAREILY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MISHRA KHEDA DIST RAEBAREILY

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's MISHRA KHEDA DIST RAEBAREILY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0192710 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 – MISHRA KHEDA DIST RAEBAREILY, use IMPS. With IFSC PUNB0192710 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 PUNB0192710 for Punjab National Bank – MISHRA KHEDA DIST RAEBAREILY, 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 Mishra Kheda Dist Raebareily 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 PUNB0192710

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 – MISHRA KHEDA DIST RAEBAREILY is still mapped to IFSC PUNB0192710. 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 PUNB0192710 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Mishra Kheda Dist Raebareily branch is mapped to IFSC PUNB0192710 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 PUNB0192710.

Banking services available

The Mishra Kheda Dist Raebareily branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• 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 PUNB0192710

MICR & cheque-truncation details

Cheques drawn on the Mishra Kheda Dist Raebareily branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0192710 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC PUNB0192710

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the MISHRA KHEDA DIST RAEBAREILY 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 PUNB0192710 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.

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 – MISHRA KHEDA DIST RAEBAREILY:

• The IFSC is exactly PUNB0192710 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 MISHRA KHEDA DIST RAEBAREILY 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.

Reaching the branch

The Mishra Kheda Dist Raebareily branch sits at VILL P.O.MISHRA KHEDA THANA-GURBAXGANJ, DIST 229122. If you are travelling from outside Rae Bareilly, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 PUNB0192710 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0192710 for Punjab National Bank – MISHRA KHEDA DIST RAEBAREILY, 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 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 Mishra Kheda Dist Raebareily branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0192710, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0192710 is the IFSC code of Punjab National Bank, MISHRA KHEDA DIST RAEBAREILY branch, in RAE BAREILLY, 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.