Use this page as a one-stop reference for everything related to Punjab National Bank's GBV RANCHI branch in RANCHI, JHARKHAND. The branch's IFSC code PUNB0816600 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 GBV RANCHI branch, the IFSC PUNB0816600 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 816600 identifies this particular branch.
About the bank
Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Gbv Ranchi branch in Ranchi, Jharkhand is part of this network and uses the IFSC code PUNB0816600 for all electronic settlement.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Gbv Ranchi |
| IFSC Code | PUNB0816600 |
| MICR Code | Refer to cheque leaf |
| Branch Address | RANCHI FIRAYALAL CHOWK JD RANCH 834001 |
| City | Ranchi |
| District | Ranchi |
| State | Jharkhand |
| STD Code | 11 |
| Phone | 23765326 |
About this branch
The branch is located at RANCHI FIRAYALAL CHOWK JD RANCH 834001. It serves the Ranchi region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Punjab National Bank. The IFSC PUNB0816600 is used to identify this branch on the RBI payments network.
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 GBV RANCHI of Punjab National Bank — its own 11-character IFSC. The code PUNB0816600 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 PUNB0816600 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Gbv Ranchi branch is mapped to IFSC PUNB0816600 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 PUNB0816600.
Products and services
Customers walking into the Gbv Ranchi 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 PUNB0816600
How to transfer money using IFSC PUNB0816600
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 PUNB0816600 across all three.
NEFT to Punjab National Bank, GBV RANCHI using IFSC PUNB0816600
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 PUNB0816600, and confirm that the system picks up Punjab National Bank – GBV RANCHI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC PUNB0816600
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Punjab National Bank – GBV RANCHI, ensure your bank's portal accepts IFSC PUNB0816600 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Punjab National Bank GBV RANCHI (IFSC PUNB0816600)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0816600 in your mobile or internet banking app, and the money is credited to the GBV RANCHI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0816600 for Punjab National Bank – GBV RANCHI, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – PUNB0816600 | Yes – PUNB0816600 | Yes – PUNB0816600 |
For most retail customers crediting the Gbv Ranchi 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 PUNB0816600
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 – GBV RANCHI is still mapped to IFSC PUNB0816600. 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 PUNB0816600 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Gbv Ranchi 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 PUNB0816600 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.
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 PUNB0816600 and the account number together uniquely identify the Gbv Ranchi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC PUNB0816600
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 – GBV RANCHI, 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:
PUNB0816600. - 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.
Reaching the branch
The Gbv Ranchi branch sits at RANCHI FIRAYALAL CHOWK JD RANCH 834001. If you are travelling from outside Ranchi, search for the branch on a maps application using the bank name and locality, or call 11-23765326 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 PUNB0816600 and your account number.
Verifying IFSC PUNB0816600 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 PUNB0816600 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 11-23765326.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Gbv Ranchi 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 PUNB0816600 continue to work without interruption.
Branch address & contact
Punjab National BankGbv Ranchi Branch
RANCHI FIRAYALAL CHOWK JD RANCH 834001
Ranchi, Jharkhand
Phone: 11-23765326
IFSC: PUNB0816600
Frequently asked questions
What is the phone number of Punjab National Bank Gbv Ranchi branch?
You can reach the branch at 11-23765326 during regular banking hours.
Is IFSC PUNB0816600 valid for NEFT and RTGS?
Yes. IFSC PUNB0816600 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC PUNB0816600 the same for all accounts at Gbv Ranchi branch?
Yes. The IFSC PUNB0816600 is shared by every account held at Punjab National Bank's Gbv Ranchi branch. Only the account number changes from customer to customer.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Gbv Ranchi branch but serve different purposes.
How do I add Punjab National Bank Gbv Ranchi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0816600, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC PUNB0816600 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0816600 to send funds instantly.
Where is Punjab National Bank Gbv Ranchi branch located?
Punjab National Bank's Gbv Ranchi branch is located at RANCHI FIRAYALAL CHOWK JD RANCH 834001, Ranchi, Jharkhand.
Final notes
To recap: PUNB0816600 is the IFSC code of Punjab National Bank, GBV RANCHI branch, in RANCHI, JHARKHAND. 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.
