Use this page as a one-stop reference for everything related to Punjab National Bank's GAMBHIRAR branch in SIWAN, BIHAR. The branch's IFSC code PUNB0192700 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 – GAMBHIRAR is PUNB0192700. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 192700 map to this branch in SIWAN, BIHAR.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Gambhirar |
| IFSC Code | PUNB0192700 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DISTT. SIWAN |
| City | Siwan |
| District | Siwan |
| State | Bihar |
Bank profile
Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Gambhirar branch — IFSC PUNB0192700 — extends the bank's services to customers in and around Siwan, Bihar.
About this branch
The branch is located at DISTT. SIWAN. It serves the Siwan 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 PUNB0192700 is used to identify this branch on the RBI payments network.
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 GAMBHIRAR branch came to be assigned the code PUNB0192700.
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 PUNB0192700, money simply cannot be routed to the GAMBHIRAR branch electronically.
How to transfer money using IFSC PUNB0192700
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 PUNB0192700 across all three.
How to use IFSC PUNB0192700 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's GAMBHIRAR 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC PUNB0192700.
- Confirm the bank name auto-populates as Punjab National Bank and the branch as GAMBHIRAR.
- 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 GAMBHIRAR
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's GAMBHIRAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0192700 while initiating the transfer and the credit will appear within minutes.
IMPS to Punjab National Bank GAMBHIRAR (IFSC PUNB0192700)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0192700 in your mobile or internet banking app, and the money is credited to the GAMBHIRAR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0192700 for Punjab National Bank – GAMBHIRAR, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – PUNB0192700 | Yes – PUNB0192700 | Yes – PUNB0192700 |
For most retail customers crediting the Gambhirar 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 PUNB0192700
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 – GAMBHIRAR is still mapped to IFSC PUNB0192700. 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 PUNB0192700 and the beneficiary's account number to complete the transfer.
Account types you can open at the Gambhirar branch
Once you have an account at Punjab National Bank – GAMBHIRAR, the IFSC PUNB0192700 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 Gambhirar 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 PUNB0192700
MICR & cheque-truncation details
Cheques drawn on the Gambhirar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0192700 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Gambhirar 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 PUNB0192700 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 – GAMBHIRAR:
- The IFSC is exactly PUNB0192700 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 GAMBHIRAR 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.
How to reach the Gambhirar branch
The branch is located at DISTT. SIWAN, which puts it inside Siwan, the broader Siwan district, and the state of Bihar. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Gambhirar branch” — the verified location pin for IFSC PUNB0192700 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
- 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 PUNB0192700 and your account number.
Verifying IFSC PUNB0192700 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 PUNB0192700 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 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 Gambhirar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0192700, however, work 24x7.
Branch address & contact
Punjab National BankGambhirar Branch
DISTT. SIWAN
Siwan, Bihar
Phone: the branch contact number
IFSC: PUNB0192700
Frequently asked questions
Can I use IFSC PUNB0192700 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0192700 to send funds instantly.
How do I add Punjab National Bank Gambhirar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0192700, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using PUNB0192700 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Gambhirar reflect within 30 minutes.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Gambhirar branch but serve different purposes.
Is IFSC PUNB0192700 valid for NEFT and RTGS?
Yes. IFSC PUNB0192700 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Punjab National Bank Gambhirar branch located?
Punjab National Bank's Gambhirar branch is located at DISTT. SIWAN, Siwan, Bihar.
What is the phone number of Punjab National Bank Gambhirar branch?
You can reach the branch at the branch contact number during regular banking hours.
Is IFSC PUNB0192700 the same for all accounts at Gambhirar branch?
Yes. The IFSC PUNB0192700 is shared by every account held at Punjab National Bank's Gambhirar branch. Only the account number changes from customer to customer.
Final notes
To recap: PUNB0192700 is the IFSC code of Punjab National Bank, GAMBHIRAR branch, in SIWAN, 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.
