IFSC Code of Punjab National Bank, Sarfuddinpurdistmuzaffarpur Branch, Bihar

Below are the complete branch details for Punjab National Bank, SARFUDDINPURDISTMUZAFFARPUR branch, located in SARFUDDINPUR DIST MUZAFFARPUR BIHAR, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0144310. 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 PUNB0144310 for Punjab National Bank – SARFUDDINPURDISTMUZAFFARPUR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – SARFUDDINPURDISTMUZAFFARPUR is PUNB0144310. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 144310 map to this branch in SARFUDDINPUR DIST MUZAFFARPUR BIHAR, BIHAR.

Branch details at a glance

About the bank

Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Sarfuddinpurdistmuzaffarpur branch in Sarfuddinpur Dist Muzaffarpur Bihar, Bihar is part of this network and uses the IFSC code PUNB0144310 for all electronic settlement.

About this branch

The branch is located at VILL PO SARFUDDINPUR DIST MUZAFFARPUR 843118. It serves the Sarfuddinpur Dist Muzaffarpur Bihar 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 PUNB0144310 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 SARFUDDINPURDISTMUZAFFARPUR of Punjab National Bank — its own 11-character IFSC. The code PUNB0144310 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 PUNB0144310 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC PUNB0144310

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 PUNB0144310 across all three.

How to use IFSC PUNB0144310 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's SARFUDDINPURDISTMUZAFFARPUR branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC PUNB0144310.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as SARFUDDINPURDISTMUZAFFARPUR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC PUNB0144310

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 – SARFUDDINPURDISTMUZAFFARPUR, ensure your bank's portal accepts IFSC PUNB0144310 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank SARFUDDINPURDISTMUZAFFARPUR (IFSC PUNB0144310)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0144310 in your mobile or internet banking app, and the money is credited to the SARFUDDINPURDISTMUZAFFARPUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Sarfuddinpurdistmuzaffarpur

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 PUNB0144310:

• 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 SARFUDDINPURDISTMUZAFFARPUR is still linked to IFSC PUNB0144310.

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 SARFUDDINPURDISTMUZAFFARPUR branch, the IFSC PUNB0144310 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 Sarfuddinpurdistmuzaffarpur branch is mapped to IFSC PUNB0144310 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 PUNB0144310.

Banking services available

The Sarfuddinpurdistmuzaffarpur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 621-2295358.

• 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 PUNB0144310

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 PUNB0144310 and the account number together uniquely identify the Sarfuddinpurdistmuzaffarpur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC PUNB0144310

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the SARFUDDINPURDISTMUZAFFARPUR 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 PUNB0144310 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.

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 – SARFUDDINPURDISTMUZAFFARPUR:

• The IFSC is exactly PUNB0144310 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 SARFUDDINPURDISTMUZAFFARPUR 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 Sarfuddinpurdistmuzaffarpur branch sits at VILL PO SARFUDDINPUR DIST MUZAFFARPUR 843118. If you are travelling from outside Sarfuddinpur Dist Muzaffarpur Bihar, search for the branch on a maps application using the bank name and locality, or call 621-2295358 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 PUNB0144310 and your account number.

Verifying IFSC PUNB0144310 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 PUNB0144310 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 621-2295358.
• Visiting the bank's official branch locator page.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Sarfuddinpurdistmuzaffarpur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0144310, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0144310 belongs to Punjab National Bank's SARFUDDINPURDISTMUZAFFARPUR branch, located at VILL PO SARFUDDINPUR DIST MUZAFFARPUR 843118 in SARFUDDINPUR DIST MUZAFFARPUR BIHAR, BIHAR. 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.