IFSC Code of Punjab National Bank, Chapra Gandhi Chowk Branch, Bihar

Use this page as a one-stop reference for everything related to Punjab National Bank's CHAPRA GANDHI CHOWK branch in SARAN, BIHAR. The branch's IFSC code PUNB0995200 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.

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 – CHAPRA GANDHI CHOWK is PUNB0995200. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 995200 map to this branch in SARAN, BIHAR.

Branch details at a glance

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Chapra Gandhi Chowk branch in Saran. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, PUNB0995200.

About the Chapra Gandhi Chowk branch

The Chapra Gandhi Chowk branch of Punjab National Bank is situated at PUNJAB NATIONAL BANK GANDHI CHOWK CHAPRA BIHAR 841301. 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 PUNB0995200 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 CHAPRA GANDHI CHOWK branch came to be assigned the code PUNB0995200.

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 PUNB0995200, money simply cannot be routed to the CHAPRA GANDHI CHOWK branch electronically.

How to transfer money using IFSC PUNB0995200

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 PUNB0995200 across all three.

NEFT to Punjab National Bank, CHAPRA GANDHI CHOWK using IFSC PUNB0995200

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 PUNB0995200, and confirm that the system picks up Punjab National Bank – CHAPRA GANDHI CHOWK. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CHAPRA GANDHI CHOWK

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's CHAPRA GANDHI CHOWK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0995200 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 – CHAPRA GANDHI CHOWK, use IMPS. With IFSC PUNB0995200 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Chapra Gandhi Chowk

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 PUNB0995200:

• 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 CHAPRA GANDHI CHOWK is still linked to IFSC PUNB0995200.

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 CHAPRA GANDHI CHOWK branch, the IFSC PUNB0995200 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.

Products and account variants supported

Every account opened at the Chapra Gandhi Chowk branch is mapped to IFSC PUNB0995200 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 PUNB0995200.

Products and services

Customers walking into the Chapra Gandhi Chowk 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 PUNB0995200

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 PUNB0995200 and the account number together uniquely identify the Chapra Gandhi Chowk 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 Chapra Gandhi Chowk 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 PUNB0995200 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 – CHAPRA GANDHI CHOWK:

• The IFSC is exactly PUNB0995200 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 CHAPRA GANDHI CHOWK 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.

Reaching the branch

The Chapra Gandhi Chowk branch sits at PUNJAB NATIONAL BANK GANDHI CHOWK CHAPRA BIHAR 841301. If you are travelling from outside Saran, search for the branch on a maps application using the bank name and locality, or call 7033595535 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 PUNB0995200 and your account number.

Verifying IFSC PUNB0995200 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 PUNB0995200 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 7033595535.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Chapra Gandhi Chowk 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 PUNB0995200 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0995200 is the IFSC code of Punjab National Bank, CHAPRA GANDHI CHOWK branch, in SARAN, BIHAR. 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.