IFSC Code of Punjab National Bank, Sheoganj,Dist.Aurangabad,Bihar Branch, Bihar

Below are the complete branch details for Punjab National Bank, SHEOGANJ,DIST.AURANGABAD,BIHAR branch, located in SHEOGANJ,DIST.AURANGABAD,BIHAR, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0315300. 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 PUNB0315300 for Punjab National Bank – SHEOGANJ,DIST.AURANGABAD,BIHAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 SHEOGANJ,DIST.AURANGABAD,BIHAR branch, the IFSC PUNB0315300 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 315300 identifies this particular branch.

About the bank

Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Sheoganj,Dist.Aurangabad,Bihar branch in Sheoganj,Dist.Aurangabad,Bihar, Bihar is part of this network and uses the IFSC code PUNB0315300 for all electronic settlement.

Sheoganj,Dist.Aurangabad,Bihar branch overview

Located at PO TELDIHA,DIST AURANGABAD, the Sheoganj,Dist.Aurangabad,Bihar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0315300 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 SHEOGANJ,DIST.AURANGABAD,BIHAR branch came to be assigned the code PUNB0315300.

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 PUNB0315300, money simply cannot be routed to the SHEOGANJ,DIST.AURANGABAD,BIHAR branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Sheoganj,Dist.Aurangabad,Bihar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0315300 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC PUNB0315300

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 PUNB0315300 across all three.

NEFT to Punjab National Bank, SHEOGANJ,DIST.AURANGABAD,BIHAR using IFSC PUNB0315300

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 PUNB0315300, and confirm that the system picks up Punjab National Bank – SHEOGANJ,DIST.AURANGABAD,BIHAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SHEOGANJ,DIST.AURANGABAD,BIHAR

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's SHEOGANJ,DIST.AURANGABAD,BIHAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0315300 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 – SHEOGANJ,DIST.AURANGABAD,BIHAR, use IMPS. With IFSC PUNB0315300 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 PUNB0315300 for Punjab National Bank – SHEOGANJ,DIST.AURANGABAD,BIHAR, 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 Sheoganj,Dist.Aurangabad,Bihar 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 SHEOGANJ,DIST.AURANGABAD,BIHAR branch, the IFSC PUNB0315300 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 Sheoganj,Dist.Aurangabad,Bihar branch

Once you have an account at Punjab National Bank – SHEOGANJ,DIST.AURANGABAD,BIHAR, the IFSC PUNB0315300 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.

Products and services

Customers walking into the Sheoganj,Dist.Aurangabad,Bihar 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 PUNB0315300

Online banking and IFSC PUNB0315300

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the SHEOGANJ,DIST.AURANGABAD,BIHAR 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 PUNB0315300 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.

How to reach the Sheoganj,Dist.Aurangabad,Bihar branch

The branch is located at PO TELDIHA,DIST AURANGABAD, which puts it inside Sheoganj,Dist.Aurangabad,Bihar, the broader Bihar district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Sheoganj,Dist.Aurangabad,Bihar branch” — the verified location pin for IFSC PUNB0315300 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 PUNB0315300 and your account number.

Common mistakes to avoid when using IFSC PUNB0315300

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 – SHEOGANJ,DIST.AURANGABAD,BIHAR, 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: PUNB0315300.
• 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.

Working hours

Branch counters at Sheoganj,Dist.Aurangabad,Bihar 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 PUNB0315300 continue to work without interruption.

Verifying IFSC PUNB0315300 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 PUNB0315300 by:

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

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0315300 is the IFSC code of Punjab National Bank, SHEOGANJ,DIST.AURANGABAD,BIHAR branch, in SHEOGANJ,DIST.AURANGABAD,BIHAR, 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.