IFSC Code of Punjab National Bank, Paraiya Namaksar, Distt. Raiba Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Punjab National Bank's PARAIYA NAMAKSAR, DISTT. RAIBA branch in RAE BAREILLY, UTTAR PRADESH. The branch's IFSC code PUNB0212100 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 PARAIYA NAMAKSAR, DISTT. RAIBA branch, the IFSC PUNB0212100 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 212100 identifies this particular branch.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Paraiya Namaksar, Distt. Raiba branch — IFSC PUNB0212100 — extends the bank's services to customers in and around Rae Bareilly, Uttar Pradesh.

About the Paraiya Namaksar, Distt. Raiba branch

The Paraiya Namaksar, Distt. Raiba branch of Punjab National Bank is situated at PARAIYA NAMAKSAR, DISTT. RAIBARELY. 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 PUNB0212100 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 PARAIYA NAMAKSAR, DISTT. RAIBA of Punjab National Bank — its own 11-character IFSC. The code PUNB0212100 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 PUNB0212100 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 Paraiya Namaksar, Distt. Raiba branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0212100 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 PUNB0212100

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 PUNB0212100 across all three.

NEFT to Punjab National Bank, PARAIYA NAMAKSAR, DISTT. RAIBA using IFSC PUNB0212100

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 PUNB0212100, and confirm that the system picks up Punjab National Bank – PARAIYA NAMAKSAR, DISTT. RAIBA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to PARAIYA NAMAKSAR, DISTT. RAIBA

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's PARAIYA NAMAKSAR, DISTT. RAIBA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0212100 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank PARAIYA NAMAKSAR, DISTT. RAIBA (IFSC PUNB0212100)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0212100 in your mobile or internet banking app, and the money is credited to the PARAIYA NAMAKSAR, DISTT. RAIBA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Paraiya Namaksar, Distt. Raiba

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 PUNB0212100:

• 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 PARAIYA NAMAKSAR, DISTT. RAIBA is still linked to IFSC PUNB0212100.

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 PUNB0212100

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 – PARAIYA NAMAKSAR, DISTT. RAIBA is still mapped to IFSC PUNB0212100. 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 PUNB0212100 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Paraiya Namaksar, Distt. Raiba branch is mapped to IFSC PUNB0212100 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 PUNB0212100.

Banking services available

The Paraiya Namaksar, Distt. Raiba 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 PUNB0212100

Online banking and IFSC PUNB0212100

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the PARAIYA NAMAKSAR, DISTT. RAIBA 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 PUNB0212100 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 Paraiya Namaksar, Distt. Raiba branch

The branch is located at PARAIYA NAMAKSAR, DISTT. RAIBARELY, which puts it inside Rae Bareilly, the broader Up district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Paraiya Namaksar, Distt. Raiba branch” — the verified location pin for IFSC PUNB0212100 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 PUNB0212100 and your account number.

Common mistakes to avoid when using IFSC PUNB0212100

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 – PARAIYA NAMAKSAR, DISTT. RAIBA, 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: PUNB0212100.
• 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.

Working hours

Branch counters at Paraiya Namaksar, Distt. Raiba 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 PUNB0212100 continue to work without interruption.

Verifying IFSC PUNB0212100 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 PUNB0212100 by:

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

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0212100 belongs to Punjab National Bank's PARAIYA NAMAKSAR, DISTT. RAIBA branch, located at PARAIYA NAMAKSAR, DISTT. RAIBARELY in RAE BAREILLY, UTTAR PRADESH. 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.