IFSC Code of Punjab National Bank, Sikarhata,Distt. Bhojpur ,Biha Branch, Bihar

Use this page as a one-stop reference for everything related to Punjab National Bank's SIKARHATA,DISTT. BHOJPUR ,BIHA branch in SIKARHATA, DISTT. BHOJPUR, BIHAR. The branch's IFSC code PUNB0175100 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.

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 SIKARHATA,DISTT. BHOJPUR ,BIHA branch, the IFSC PUNB0175100 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 175100 identifies this particular branch.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Sikarhata,Distt. Bhojpur ,Biha branch — IFSC PUNB0175100 — extends the bank's services to customers in and around Sikarhata, Distt. Bhojpur, Bihar.

Branch details at a glance

About the Sikarhata,Distt. Bhojpur ,Biha branch

The Sikarhata,Distt. Bhojpur ,Biha branch of Punjab National Bank is situated at DIST BHOJPUR. 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 PUNB0175100 is used.

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 SIKARHATA,DISTT. BHOJPUR ,BIHA of Punjab National Bank — its own 11-character IFSC. The code PUNB0175100 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 PUNB0175100 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Sikarhata,Distt. Bhojpur ,Biha branch

Once you have an account at Punjab National Bank – SIKARHATA,DISTT. BHOJPUR ,BIHA, the IFSC PUNB0175100 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 Sikarhata,Distt. Bhojpur ,Biha 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 PUNB0175100

How to transfer money using IFSC PUNB0175100

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 PUNB0175100 across all three.

How to use IFSC PUNB0175100 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's SIKARHATA,DISTT. BHOJPUR ,BIHA 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 PUNB0175100.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as SIKARHATA,DISTT. BHOJPUR ,BIHA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to SIKARHATA,DISTT. BHOJPUR ,BIHA

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's SIKARHATA,DISTT. BHOJPUR ,BIHA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0175100 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank SIKARHATA,DISTT. BHOJPUR ,BIHA (IFSC PUNB0175100)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0175100 in your mobile or internet banking app, and the money is credited to the SIKARHATA,DISTT. BHOJPUR ,BIHA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC PUNB0175100 for Punjab National Bank – SIKARHATA,DISTT. BHOJPUR ,BIHA, 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 Sikarhata,Distt. Bhojpur ,Biha 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 SIKARHATA,DISTT. BHOJPUR ,BIHA branch, the IFSC PUNB0175100 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.

Digital banking channels

Most day-to-day work that customers used to do at the Sikarhata,Distt. Bhojpur ,Biha 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 PUNB0175100 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.

MICR & cheque-truncation details

Cheques drawn on the Sikarhata,Distt. Bhojpur ,Biha branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0175100 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC PUNB0175100

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 – SIKARHATA,DISTT. BHOJPUR ,BIHA, 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: PUNB0175100.
• 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.

Reaching the branch

The Sikarhata,Distt. Bhojpur ,Biha branch sits at DIST BHOJPUR. If you are travelling from outside Sikarhata, Distt. Bhojpur, 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 PUNB0175100 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0175100 for Punjab National Bank – SIKARHATA,DISTT. BHOJPUR ,BIHA, 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 Sikarhata,Distt. Bhojpur ,Biha 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 PUNB0175100 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0175100 belongs to Punjab National Bank's SIKARHATA,DISTT. BHOJPUR ,BIHA branch, located at DIST BHOJPUR in SIKARHATA, DISTT. BHOJPUR, 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.