IFSC Code of Punjab National Bank, Ntpc Unchahar Rai Bareilly Branch, Uttar Pradesh

If you are searching for the IFSC code of Punjab National Bank, NTPC UNCHAHAR RAI BAREILLY branch in UNCHAHAR, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is PUNB0412000. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the NTPC UNCHAHAR RAI BAREILLY branch, and detailed step-by-step guides for using the IFSC PUNB0412000 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, PUNB0412000 is the IFSC of Punjab National Bank's NTPC UNCHAHAR RAI BAREILLY branch. The format is fixed: PUNB = bank code, 0 = reserved, 412000 = branch identifier.

Branch details at a glance

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Ntpc Unchahar Rai Bareilly branch in Unchahar. 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, PUNB0412000.

About this branch

The branch is located at NTPC COLONY, UNCHAHAR. It serves the Unchahar 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 PUNB0412000 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 NTPC UNCHAHAR RAI BAREILLY branch came to be assigned the code PUNB0412000.

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 PUNB0412000, money simply cannot be routed to the NTPC UNCHAHAR RAI BAREILLY branch electronically.

How to transfer money using IFSC PUNB0412000

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 PUNB0412000 across all three.

How to use IFSC PUNB0412000 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's NTPC UNCHAHAR RAI BAREILLY 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 PUNB0412000.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as NTPC UNCHAHAR RAI BAREILLY.
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 NTPC UNCHAHAR RAI BAREILLY

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's NTPC UNCHAHAR RAI BAREILLY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0412000 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank NTPC UNCHAHAR RAI BAREILLY (IFSC PUNB0412000)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0412000 in your mobile or internet banking app, and the money is credited to the NTPC UNCHAHAR RAI BAREILLY branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ntpc Unchahar Rai Bareilly

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 PUNB0412000:

• 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 NTPC UNCHAHAR RAI BAREILLY is still linked to IFSC PUNB0412000.

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.

UPI payments and IFSC PUNB0412000

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 – NTPC UNCHAHAR RAI BAREILLY is still mapped to IFSC PUNB0412000. 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 PUNB0412000 and the beneficiary's account number to complete the transfer.

Account types you can open at the Ntpc Unchahar Rai Bareilly branch

Once you have an account at Punjab National Bank – NTPC UNCHAHAR RAI BAREILLY, the IFSC PUNB0412000 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 Ntpc Unchahar Rai Bareilly 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 PUNB0412000

MICR & cheque-truncation details

Cheques drawn on the Ntpc Unchahar Rai Bareilly branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0412000 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC PUNB0412000

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the NTPC UNCHAHAR RAI BAREILLY 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 PUNB0412000 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.

Common mistakes to avoid when using IFSC PUNB0412000

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 – NTPC UNCHAHAR RAI BAREILLY, 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: PUNB0412000.
• 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.

How to reach the Ntpc Unchahar Rai Bareilly branch

The branch is located at NTPC COLONY, UNCHAHAR, which puts it inside Unchahar, the broader Rai Bareilly district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Ntpc Unchahar Rai Bareilly branch” — the verified location pin for IFSC PUNB0412000 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 PUNB0412000 and your account number.

Verifying IFSC PUNB0412000 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 PUNB0412000 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.

Working hours

Branch counters at Ntpc Unchahar Rai Bareilly 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 PUNB0412000 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0412000 belongs to Punjab National Bank's NTPC UNCHAHAR RAI BAREILLY branch, located at NTPC COLONY, UNCHAHAR in UNCHAHAR, UTTAR PRADESH. 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.