IFSC Code of Punjab National Bank, Raiganj,Distt Uttar-Dinajpur Branch, West Bengal

Below are the complete branch details for Punjab National Bank, RAIGANJ,DISTT UTTAR-DINAJPUR branch, located in RAIGANJ, DISTT UTTAR DINAJPUR, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0209110. 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 PUNB0209110 for Punjab National Bank – RAIGANJ,DISTT UTTAR-DINAJPUR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Punjab National Bank – RAIGANJ,DISTT UTTAR-DINAJPUR is PUNB0209110. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 209110 map to this branch in RAIGANJ, DISTT UTTAR DINAJPUR, WEST BENGAL.

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Raiganj,Distt Uttar-Dinajpur branch in Raiganj, Distt Uttar Dinajpur. 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, PUNB0209110.

About the Raiganj,Distt Uttar-Dinajpur branch

The Raiganj,Distt Uttar-Dinajpur branch of Punjab National Bank is situated at WARD NO. 19, BIRNAGAR, RAIGANJ,UTTAR DINAJPUR 733134. 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 PUNB0209110 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 RAIGANJ,DISTT UTTAR-DINAJPUR branch came to be assigned the code PUNB0209110.

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 PUNB0209110, money simply cannot be routed to the RAIGANJ,DISTT UTTAR-DINAJPUR 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 PUNB0209110 and the account number together uniquely identify the Raiganj,Distt Uttar-Dinajpur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC PUNB0209110

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 PUNB0209110 across all three.

How to use IFSC PUNB0209110 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's RAIGANJ,DISTT UTTAR-DINAJPUR 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 PUNB0209110.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as RAIGANJ,DISTT UTTAR-DINAJPUR.
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 RAIGANJ,DISTT UTTAR-DINAJPUR

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's RAIGANJ,DISTT UTTAR-DINAJPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0209110 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank RAIGANJ,DISTT UTTAR-DINAJPUR (IFSC PUNB0209110)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0209110 in your mobile or internet banking app, and the money is credited to the RAIGANJ,DISTT UTTAR-DINAJPUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Raiganj,Distt Uttar-Dinajpur

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 PUNB0209110:

• 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 RAIGANJ,DISTT UTTAR-DINAJPUR is still linked to IFSC PUNB0209110.

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 PUNB0209110

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 – RAIGANJ,DISTT UTTAR-DINAJPUR is still mapped to IFSC PUNB0209110. 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 PUNB0209110 and the beneficiary's account number to complete the transfer.

Account types you can open at the Raiganj,Distt Uttar-Dinajpur branch

Once you have an account at Punjab National Bank – RAIGANJ,DISTT UTTAR-DINAJPUR, the IFSC PUNB0209110 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 Raiganj,Distt Uttar-Dinajpur 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 PUNB0209110

Digital banking channels

Most day-to-day work that customers used to do at the Raiganj,Distt Uttar-Dinajpur 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 PUNB0209110 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.

How to reach the Raiganj,Distt Uttar-Dinajpur branch

The branch is located at WARD NO. 19, BIRNAGAR, RAIGANJ,UTTAR DINAJPUR 733134, which puts it inside Raiganj, Distt Uttar Dinajpur, the broader Uttar Dinajpur district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Raiganj,Distt Uttar-Dinajpur branch” — the verified location pin for IFSC PUNB0209110 should appear at the top of the results.
2. Confirm the branch is open by calling 3523-8170061291 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 PUNB0209110 and your account number.

Common mistakes to avoid when using IFSC PUNB0209110

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 – RAIGANJ,DISTT UTTAR-DINAJPUR, 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: PUNB0209110.
• 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.

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 Raiganj,Distt Uttar-Dinajpur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0209110, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0209110 for Punjab National Bank – RAIGANJ,DISTT UTTAR-DINAJPUR, 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

Final notes

To recap: PUNB0209110 is the IFSC code of Punjab National Bank, RAIGANJ,DISTT UTTAR-DINAJPUR branch, in RAIGANJ, DISTT UTTAR DINAJPUR, WEST BENGAL. 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.