Overview of IFSC Code PUNB0187720: The IFSC code PUNB0187720 uniquely identifies the Punjab National Bank branch located at Naugachia in the Bhagalpur district of Bihar. This 11-digit alphanumeric code is mandatory for routing electronic fund transfers like NEFT, RTGS, and IMPS to the correct bank account.

IFSC Code PUNB0187720 - Punjab National Bank Naugachia

PUNB0187720 Punjab National Bank Naugachia Bhagalpur Bihar

NAUGACHIA

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Quick Info

IFSC: PUNB0187720

Pincode: 853204

District: Bhagalpur

Status: Active

About Punjab National Bank Naugachia

IFSC Code PUNB0187720 belongs to Punjab National Bank Naugachia branch located in Naugachia, Bhagalpur, Bihar. This branch serves customers in Naugachia, Bhagalpur, Bihar and surrounding areas.

Understanding IFSC Code PUNB0187720

The IFSC (Indian Financial System Code) PUNB0187720 is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to uniquely identify this specific bank branch. The code structure follows a specific format:

  • First 4 characters (PUNB): Bank code identifying Punjab National Bank
  • 5th character (0): Reserved for future use (always 0)
  • Last 6 characters (187720): Unique branch identifier for Naugachia
Electronic Fund Transfer Services

IFSC Code PUNB0187720 is essential for all electronic fund transfers in India. This code ensures that money transfers are routed to the correct bank branch. The following payment systems use IFSC codes:

NEFT (National Electronic Funds Transfer)

Batch processing system for fund transfers. Available Yes at this branch.

Processing: Multiple batches daily, typically settles within 2 hours during banking hours.

RTGS (Real Time Gross Settlement)

Real-time fund transfer for high-value transactions (minimum ₹2 lakh). Available Yes at this branch.

Processing: Real-time settlement, typically within minutes during RTGS hours.

IMPS (Immediate Payment Service)

24/7 instant fund transfer service via mobile or internet banking. Available Yes at this branch.

Processing: Instant transfer, available 24/7 including holidays.

UPI (Unified Payments Interface)

Instant mobile payment system using UPI ID or QR code. Available Yes at this branch.

Processing: Instant transfer, available 24/7, no IFSC code needed for UPI transactions.

Branch Location and Accessibility

The Punjab National Bank Naugachia branch is located at NAUGACHIA (Pincode: 853204) in Naugachia, Bhagalpur, Bihar. This location serves customers in Naugachia, Bhagalpur, Bihar and nearby areas. When initiating any electronic fund transfer to an account held at this branch, you must use IFSC Code PUNB0187720 to ensure the transaction is routed correctly.

How to Use IFSC Code PUNB0187720

When making online fund transfers to an account at this branch, you will need:

  1. IFSC Code: PUNB0187720 (for NEFT, RTGS, IMPS)
  2. Account Number: The recipient's account number
  3. Account Holder Name: As registered with the bank
Important: Always verify the IFSC code before initiating any fund transfer. Incorrect IFSC codes can result in failed transactions or funds being sent to the wrong branch. This IFSC code information is verified from official Reserve Bank of India (RBI) records and is updated regularly to ensure accuracy.
Finding Other Punjab National Bank Branches

If you're looking for other Punjab National Bank branches in Naugachia, Bhagalpur, Bihar or nearby areas, use our Punjab National Bank branch finder. You can search by city, district, or state to find all Punjab National Bank branches with their respective IFSC codes.

Branch Details
IFSC Code: PUNB0187720
Bank Name: Punjab National Bank
Branch Name: Naugachia
Address: NAUGACHIA
City: Naugachia
District: Bhagalpur
State: Bihar
Pincode: 853204
Payment Services Available
NEFT
Available
RTGS
Available
IMPS
Available
UPI
Available
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Punjab National Bank Naugachia Branch IFSC Code PUNB0187720 — Complete Banking Guide for Naugachia, Bihar

IFSC code PUNB0187720 belongs to the Naugachia branch of Punjab National Bank in Naugachia, Bhagalpur district, Bihar. This 11-character code, assigned by the Reserve Bank of India, is mandatory for all digital fund transfers — NEFT, RTGS, IMPS, and UPI. Every payment initiated to an account at this branch must include IFSC PUNB0187720 to ensure accurate routing through India's centralised payment infrastructure. Providing an incorrect IFSC may delay or fail the transaction, so always verify the code before confirming any transfer.

About Punjab National Bank, Naugachia Branch

The Naugachia branch of Punjab National Bank in Naugachia, Bihar serves retail and corporate customers in Bhagalpur district with a full range of banking products. Services typically include savings and current accounts, fixed and recurring deposits, personal and home loans, vehicle finance, trade finance, locker facilities, and wealth management. The branch also supports digital banking — internet banking, mobile banking, UPI, and contactless debit/credit card issuance. Its IFSC PUNB0187720 is the key identifier for all fund transfers routed to accounts at this location through RBI's payment systems.

Payment Methods Using IFSC PUNB0187720

Four primary digital payment rails use IFSC PUNB0187720 for transfers to Punjab National Bank, Naugachia: NEFT — batch-based, 48 half-hourly settlements daily, no minimum amount, ideal for regular transfers; RTGS — real-time, 24×7, minimum ₹2 lakh, used for high-value transactions; IMPS — instant, 24×7, up to ₹5 lakh, best for urgent transfers; UPI — uses Virtual Payment Address (VPA) linked to accounts at this branch, instant and zero-cost for most transactions. For each method, the sender's bank verifies IFSC PUNB0187720 against the RBI IFSC master list before processing the payment.

MICR Code and Branch Details

In addition to the IFSC, the Naugachia branch of Punjab National Bank in Naugachia carries a MICR (Magnetic Ink Character Recognition) code — a 9-digit number printed on cheques that identifies the bank, city, and branch for cheque clearing through the MICR-based clearing system. While NEFT/RTGS/IMPS use the IFSC PUNB0187720 exclusively for electronic transfers, MICR remains relevant for paper-based cheque processing. Both codes are listed on this page for complete branch reference.

How to Verify IFSC PUNB0187720 Before Transferring

Before initiating any high-value transfer to IFSC PUNB0187720, verify the code through: (1) the RBI's official IFSC repository at rbi.org.in; (2) Punjab National Bank's official website branch locator; (3) MahaFind's IFSC lookup — the page you are currently viewing. Cross-reference the branch address and bank name displayed here against the details provided by your recipient to confirm accuracy. A mismatch in even one character of the IFSC can reroute your transfer to a different branch entirely.

FAQs — Punjab National Bank Naugachia, Naugachia IFSC

What is the IFSC of Punjab National Bank Naugachia in Naugachia?

The IFSC of Punjab National Bank, Naugachia branch in Naugachia, Bihar is PUNB0187720. Use this for NEFT, RTGS, IMPS, and UPI transfers to any account at this branch.

What is the minimum amount for NEFT to IFSC PUNB0187720?

There is no minimum amount for NEFT transfers. You can send as little as ₹1. RTGS requires a minimum of ₹2 lakh. IMPS supports up to ₹5 lakh per transaction. All three use IFSC PUNB0187720 to route funds to Punjab National Bank, Naugachia, Naugachia.

Who assigns IFSC codes like PUNB0187720?

The Reserve Bank of India (RBI) assigns all IFSC codes in India. Punjab National Bank applied for the IFSC for its Naugachia branch in Naugachia, and RBI issued PUNB0187720 as the unique identifier. The complete list of valid IFSCs is maintained in RBI's IFSC master directory.

Can I use IFSC PUNB0187720 for UPI payments?

UPI payments are linked to a Virtual Payment Address (VPA) rather than an IFSC directly, but the underlying account is mapped to IFSC PUNB0187720 at Punjab National Bank, Naugachia, Naugachia. When sending money via NEFT/RTGS/IMPS to this branch's account holders, always use IFSC PUNB0187720.

About IFSC Code PUNB0187720

IFSC Code PUNB0187720 belongs to Punjab National Bank branch Naugachia located in Naugachia, Bhagalpur, Bihar.

Branch Information

  • IFSC Code: PUNB0187720
  • Bank: Punjab National Bank
  • Branch: Naugachia
  • Address: NAUGACHIA
  • City: Naugachia
  • District: Bhagalpur
  • State: Bihar
  • Pincode: 853204

Payment Services

  • NEFT: Available
  • RTGS: Available
  • IMPS: Available
  • UPI: Available
Note: IFSC (Indian Financial System Code) is an 11-character code used to identify bank branches for electronic fund transfers (NEFT, RTGS, IMPS). Always verify the IFSC code before initiating any transaction.

Frequently Asked Questions

IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches for electronic fund transfers. You can find IFSC code using our IFSC code search tool by entering the bank name, branch name, or the IFSC code itself.

To check IFSC code, use our IFSC code search tool. Enter the bank name and branch name, or search by IFSC code directly. You can also find banks near me by searching with your location.

IFSC code format consists of 11 characters: first 4 characters represent the bank name, followed by a zero (0), and the last 6 characters represent the branch code. For example, HDFC0001234 where HDFC is the bank code and 001234 is the branch code.

To find banks near me, use our IFSC finder tool. Enter your city or location, and we will show you all nearby bank branches with their IFSC codes, addresses, and contact details.

IFSC code is used for electronic fund transfers (NEFT, RTGS, IMPS) and is 11 characters long. MICR code is used for cheque processing and is 9 digits long. Both codes uniquely identify a bank branch.

You can verify IFSC code using our check IFSC code tool. Enter the IFSC code, and we will display the complete branch details including bank name, branch name, address, and available payment services (NEFT, RTGS, IMPS, UPI).

Yes, IFSC code is required for all electronic fund transfer methods including NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service). Our tool shows which services are available for each branch.

To get IFSC code by bank name and branch, use our search tool. Select "Search by Bank & Branch" option, enter the bank name (e.g., Punjab National Bank) and branch name, and we will display the complete IFSC code details.