IFSC Code of Punjab National Bank, Ranchi Sn Ganguli Road, Distt. Branch, Jharkhand

Below are the complete branch details for Punjab National Bank, RANCHI SN GANGULI ROAD, DISTT. branch, located in RANCHI, JHARKHAND. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0040400. 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 PUNB0040400 for Punjab National Bank – RANCHI SN GANGULI ROAD, DISTT. — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, PUNB0040400 is the IFSC of Punjab National Bank's RANCHI SN GANGULI ROAD, DISTT. branch. The format is fixed: PUNB = bank code, 0 = reserved, 040400 = branch identifier.

About the bank

Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ranchi Sn Ganguli Road, Distt. branch in Ranchi, Jharkhand is part of this network and uses the IFSC code PUNB0040400 for all electronic settlement.

Branch details at a glance

About the Ranchi Sn Ganguli Road, Distt. branch

The Ranchi Sn Ganguli Road, Distt. branch of Punjab National Bank is situated at SN GANGULY ROAD,. 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 PUNB0040400 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 RANCHI SN GANGULI ROAD, DISTT. of Punjab National Bank — its own 11-character IFSC. The code PUNB0040400 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 PUNB0040400 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 Ranchi Sn Ganguli Road, Distt. branch is mapped to IFSC PUNB0040400 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 PUNB0040400.

Banking services available

The Ranchi Sn Ganguli Road, Distt. 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 PUNB0040400

How to transfer money using IFSC PUNB0040400

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 PUNB0040400 across all three.

NEFT to Punjab National Bank, RANCHI SN GANGULI ROAD, DISTT. using IFSC PUNB0040400

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 PUNB0040400, and confirm that the system picks up Punjab National Bank – RANCHI SN GANGULI ROAD, DISTT.. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PUNB0040400

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 – RANCHI SN GANGULI ROAD, DISTT., ensure your bank's portal accepts IFSC PUNB0040400 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank RANCHI SN GANGULI ROAD, DISTT. (IFSC PUNB0040400)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0040400 in your mobile or internet banking app, and the money is credited to the RANCHI SN GANGULI ROAD, DISTT. branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ranchi Sn Ganguli Road, Distt.

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 PUNB0040400:

• 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 RANCHI SN GANGULI ROAD, DISTT. is still linked to IFSC PUNB0040400.

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 PUNB0040400

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 – RANCHI SN GANGULI ROAD, DISTT. is still mapped to IFSC PUNB0040400. 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 PUNB0040400 and the beneficiary's account number to complete the transfer.

Online banking and IFSC PUNB0040400

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the RANCHI SN GANGULI ROAD, DISTT. 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 PUNB0040400 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.

MICR & cheque-truncation details

Cheques drawn on the Ranchi Sn Ganguli Road, Distt. branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0040400 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – RANCHI SN GANGULI ROAD, DISTT.:

• The IFSC is exactly PUNB0040400 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 RANCHI SN GANGULI ROAD, DISTT. 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 Ranchi Sn Ganguli Road, Distt. branch

The branch is located at SN GANGULY ROAD,, which puts it inside Ranchi, the broader Ranchi district, and the state of Jharkhand. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Ranchi Sn Ganguli Road, Distt. branch” — the verified location pin for IFSC PUNB0040400 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 PUNB0040400 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0040400 for Punjab National Bank – RANCHI SN GANGULI ROAD, DISTT., 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.

Working hours

Branch counters at Ranchi Sn Ganguli Road, Distt. 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 PUNB0040400 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0040400 is the IFSC code of Punjab National Bank, RANCHI SN GANGULI ROAD, DISTT. 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.