IFSC Code of Punjab National Bank, Raipur,Jaisthambh Chowk ,Main Branch, Chhattisgarh

If you are searching for the IFSC code of Punjab National Bank, RAIPUR,JAISTHAMBH CHOWK ,MAIN branch in RAIPUR, CHHATTISGARH, this page has every detail you need. The verified IFSC code for this branch is PUNB0039900. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the RAIPUR,JAISTHAMBH CHOWK ,MAIN branch, and detailed step-by-step guides for using the IFSC PUNB0039900 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 RAIPUR,JAISTHAMBH CHOWK ,MAIN branch, the IFSC PUNB0039900 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 039900 identifies this particular branch.

Branch details at a glance

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Raipur,Jaisthambh Chowk ,Main branch — IFSC PUNB0039900 — extends the bank's services to customers in and around Raipur, Chhattisgarh.

About the Raipur,Jaisthambh Chowk ,Main branch

The Raipur,Jaisthambh Chowk ,Main branch of Punjab National Bank is situated at JAISTHAMBH CHOWK, RAIPUR. 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 PUNB0039900 is used.

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 RAIPUR,JAISTHAMBH CHOWK ,MAIN of Punjab National Bank — its own 11-character IFSC. The code PUNB0039900 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 PUNB0039900 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC PUNB0039900

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 PUNB0039900 across all three.

NEFT to Punjab National Bank, RAIPUR,JAISTHAMBH CHOWK ,MAIN using IFSC PUNB0039900

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 PUNB0039900, and confirm that the system picks up Punjab National Bank – RAIPUR,JAISTHAMBH CHOWK ,MAIN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to RAIPUR,JAISTHAMBH CHOWK ,MAIN

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's RAIPUR,JAISTHAMBH CHOWK ,MAIN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0039900 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank RAIPUR,JAISTHAMBH CHOWK ,MAIN (IFSC PUNB0039900)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0039900 in your mobile or internet banking app, and the money is credited to the RAIPUR,JAISTHAMBH CHOWK ,MAIN branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Raipur,Jaisthambh Chowk ,Main

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 PUNB0039900:

• 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 RAIPUR,JAISTHAMBH CHOWK ,MAIN is still linked to IFSC PUNB0039900.

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 RAIPUR,JAISTHAMBH CHOWK ,MAIN branch, the IFSC PUNB0039900 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.

Account types you can open at the Raipur,Jaisthambh Chowk ,Main branch

Once you have an account at Punjab National Bank – RAIPUR,JAISTHAMBH CHOWK ,MAIN, the IFSC PUNB0039900 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 Raipur,Jaisthambh Chowk ,Main 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 PUNB0039900

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 PUNB0039900 and the account number together uniquely identify the Raipur,Jaisthambh Chowk ,Main branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Raipur,Jaisthambh Chowk ,Main 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 PUNB0039900 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.

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 – RAIPUR,JAISTHAMBH CHOWK ,MAIN:

• The IFSC is exactly PUNB0039900 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 RAIPUR,JAISTHAMBH CHOWK ,MAIN 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.

How to reach the Raipur,Jaisthambh Chowk ,Main branch

The branch is located at JAISTHAMBH CHOWK, RAIPUR, which puts it inside Raipur, the broader Raipur district, and the state of Chhattisgarh. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Raipur,Jaisthambh Chowk ,Main branch” — the verified location pin for IFSC PUNB0039900 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 PUNB0039900 and your account number.

Verifying IFSC PUNB0039900 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 PUNB0039900 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 0.
• Visiting the bank's official branch locator page.

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 Raipur,Jaisthambh Chowk ,Main branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0039900, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0039900 is the IFSC code of Punjab National Bank, RAIPUR,JAISTHAMBH CHOWK ,MAIN branch, in RAIPUR, CHHATTISGARH. 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.