IFSC Code of Punjab National Bank, R.P.S. Depot. Bajaria Marg Sa Branch, Uttar Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, R.P.S. DEPOT. BAJARIA MARG SA branch in SAHARANPUR. The 11-digit IFSC PUNB0398200 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Punjab National Bank at the R.P.S. DEPOT. BAJARIA MARG SA location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 – R.P.S. DEPOT. BAJARIA MARG SA is PUNB0398200. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 398200 map to this branch in SAHARANPUR, UTTAR PRADESH.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The R.P.S. Depot. Bajaria Marg Sa branch — IFSC PUNB0398200 — extends the bank's services to customers in and around Saharanpur, Uttar Pradesh.

About the R.P.S. Depot. Bajaria Marg Sa branch

The R.P.S. Depot. Bajaria Marg Sa branch of Punjab National Bank is situated at PRAKASH PURAM, BAJORIA MARG. 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 PUNB0398200 is used.

Branch details at a glance

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 R.P.S. DEPOT. BAJARIA MARG SA of Punjab National Bank — its own 11-character IFSC. The code PUNB0398200 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 PUNB0398200 the same way you would treat your account number — verify it once and save it carefully for future use.

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 PUNB0398200 and the account number together uniquely identify the R.P.S. Depot. Bajaria Marg Sa branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC PUNB0398200

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 PUNB0398200 across all three.

NEFT to Punjab National Bank, R.P.S. DEPOT. BAJARIA MARG SA using IFSC PUNB0398200

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 PUNB0398200, and confirm that the system picks up Punjab National Bank – R.P.S. DEPOT. BAJARIA MARG SA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to R.P.S. DEPOT. BAJARIA MARG SA

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's R.P.S. DEPOT. BAJARIA MARG SA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0398200 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Punjab National Bank – R.P.S. DEPOT. BAJARIA MARG SA, use IMPS. With IFSC PUNB0398200 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 PUNB0398200 for Punjab National Bank – R.P.S. DEPOT. BAJARIA MARG SA, 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.

For most retail customers crediting the R.P.S. Depot. Bajaria Marg Sa 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 PUNB0398200

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 – R.P.S. DEPOT. BAJARIA MARG SA is still mapped to IFSC PUNB0398200. 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 PUNB0398200 and the beneficiary's account number to complete the transfer.

Account types you can open at the R.P.S. Depot. Bajaria Marg Sa branch

Once you have an account at Punjab National Bank – R.P.S. DEPOT. BAJARIA MARG SA, the IFSC PUNB0398200 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 R.P.S. Depot. Bajaria Marg Sa 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 PUNB0398200

Digital banking channels

Most day-to-day work that customers used to do at the R.P.S. Depot. Bajaria Marg Sa 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 PUNB0398200 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.

Reaching the branch

The R.P.S. Depot. Bajaria Marg Sa branch sits at PRAKASH PURAM, BAJORIA MARG. If you are travelling from outside Saharanpur, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 PUNB0398200 and your account number.

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 – R.P.S. DEPOT. BAJARIA MARG SA:

• The IFSC is exactly PUNB0398200 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 R.P.S. DEPOT. BAJARIA MARG SA 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.

Working hours

Branch counters at R.P.S. Depot. Bajaria Marg Sa 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 PUNB0398200 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0398200 for Punjab National Bank – R.P.S. DEPOT. BAJARIA MARG SA, 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

Summary

The IFSC code PUNB0398200 belongs to Punjab National Bank's R.P.S. DEPOT. BAJARIA MARG SA branch, located at PRAKASH PURAM, BAJORIA MARG in SAHARANPUR, UTTAR PRADESH. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.