If you are searching for the IFSC code of Punjab National Bank, SCIENCE TECHNOLOGY CAMPUS branch in RANCHI, JHARKHAND, this page has every detail you need. The verified IFSC code for this branch is PUNB0184220. 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 SCIENCE TECHNOLOGY CAMPUS branch, and detailed step-by-step guides for using the IFSC PUNB0184220 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 SCIENCE TECHNOLOGY CAMPUS branch, the IFSC PUNB0184220 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 184220 identifies this particular branch.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Science Technology Campus |
| IFSC Code | PUNB0184220 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SCIENCE & TECHNOLOGY C, |
| City | Ranchi |
| District | Ranchi |
| State | Jharkhand |
About the bank
Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Science Technology Campus branch in Ranchi, Jharkhand is part of this network and uses the IFSC code PUNB0184220 for all electronic settlement.
About the Science Technology Campus branch
The Science Technology Campus branch of Punjab National Bank is situated at SCIENCE & TECHNOLOGY C,. 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 PUNB0184220 is used.
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 SCIENCE TECHNOLOGY CAMPUS branch came to be assigned the code PUNB0184220.
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 PUNB0184220, money simply cannot be routed to the SCIENCE TECHNOLOGY CAMPUS branch electronically.
How to transfer money using IFSC PUNB0184220
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 PUNB0184220 across all three.
NEFT to Punjab National Bank, SCIENCE TECHNOLOGY CAMPUS using IFSC PUNB0184220
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 PUNB0184220, and confirm that the system picks up Punjab National Bank – SCIENCE TECHNOLOGY CAMPUS. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC PUNB0184220
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 – SCIENCE TECHNOLOGY CAMPUS, ensure your bank's portal accepts IFSC PUNB0184220 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Punjab National Bank – SCIENCE TECHNOLOGY CAMPUS, use IMPS. With IFSC PUNB0184220 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0184220 for Punjab National Bank – SCIENCE TECHNOLOGY CAMPUS, 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 – PUNB0184220 | Yes – PUNB0184220 | Yes – PUNB0184220 |
For most retail customers crediting the Science Technology Campus 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.
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 SCIENCE TECHNOLOGY CAMPUS branch, the IFSC PUNB0184220 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 Science Technology Campus branch
Once you have an account at Punjab National Bank – SCIENCE TECHNOLOGY CAMPUS, the IFSC PUNB0184220 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 Science Technology Campus 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 PUNB0184220
MICR & cheque-truncation details
Cheques drawn on the Science Technology Campus branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0184220 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Science Technology Campus 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 PUNB0184220 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.
Common mistakes to avoid when using IFSC PUNB0184220
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 – SCIENCE TECHNOLOGY CAMPUS, 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:
PUNB0184220. - 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.
How to reach the Science Technology Campus branch
The branch is located at SCIENCE & TECHNOLOGY C,, which puts it inside Ranchi, the broader Ranchi district, and the state of Jharkhand. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Science Technology Campus branch” — the verified location pin for IFSC PUNB0184220 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
- 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 PUNB0184220 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC PUNB0184220 for Punjab National Bank – SCIENCE TECHNOLOGY CAMPUS, 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 Science Technology Campus 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 PUNB0184220 continue to work without interruption.
Branch address & contact
Punjab National BankScience Technology Campus Branch
SCIENCE & TECHNOLOGY C,
Ranchi, Jharkhand
Phone: the branch contact number
IFSC: PUNB0184220
Frequently asked questions
How do I add Punjab National Bank Science Technology Campus as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0184220, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC PUNB0184220 the same for all accounts at Science Technology Campus branch?
Yes. The IFSC PUNB0184220 is shared by every account held at Punjab National Bank's Science Technology Campus branch. Only the account number changes from customer to customer.
Is IFSC PUNB0184220 valid for NEFT and RTGS?
Yes. IFSC PUNB0184220 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Science Technology Campus branch but serve different purposes.
What is the phone number of Punjab National Bank Science Technology Campus branch?
You can reach the branch at the branch contact number during regular banking hours.
Can I use IFSC PUNB0184220 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0184220 to send funds instantly.
Final notes
To recap: PUNB0184220 is the IFSC code of Punjab National Bank, SCIENCE TECHNOLOGY CAMPUS 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.
