Punjab National Bank Lake Gardens IFSC Code
Punjab National Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · This branch may not process cheques.
Branch
Lake Gardens
District
Kolkata
State
West Bengal
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Frequently Asked Questions
About Punjab National Bank Lake Gardens (162/a/89 Lake Gardens - 0220), Kolkata
The IFSC code PUNB0010220 (lowercase: punb0010220) belongs to Punjab National Bank, specifically the Lake Gardens (162/a/89 Lake Gardens - 0220) branch located in Kolkata, West Bengal.
The 5th character in the IFSC code PUNB0010220 is a zero (0), not the letter 'O'. The correct format is PUNB0010220 (lowercase: punb0010220), and not PUNBO010220. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Punjab National Bank Lake Gardens (162/a/89 Lake Gardens - 0220) in Kolkata, West Bengal is PUNB0010220. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Punjab National Bank Lake Gardens (162/a/89 Lake Gardens - 0220) is located at 162/a/89 Lake Gardens,kolkata, Kolkata, West Bengal. You can click the "View on Google Maps" button on this page to get directions.
The MICR code for Punjab National Bank Lake Gardens (162/a/89 Lake Gardens - 0220) in Kolkata is printed at the bottom of your cheque leaf. If you cannot locate it, contact your branch directly or check your passbook.
Yes. IFSC code PUNB0010220 is valid for all three RBI-regulated transfer modes: NEFT (settled in 30-minute batches, no minimum), RTGS (real-time, minimum ₹2 lakh), and IMPS (instant, up to ₹5 lakh). All modes are available 24×7×365 as per RBI guidelines issued in December 2019.
You can verify IFSC code PUNB0010220 by checking: (1) The top-left corner of any Punjab National Bank Lake Gardens (162/a/89 Lake Gardens - 0220) cheque leaf, (2) The first page of your Punjab National Bank passbook, (3) Your net banking or mobile banking app under "Branch Details", or (4) The RBI's official IFSC lookup at rbi.org.in.
Understanding IFSC Code: PUNB0010220
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
Swipe to see all
PUNB0010220
What Each Part Means
- Bank Code — PUNB
- The first 4 characters uniquely identify Punjab National Bank at the national level. Every branch of Punjab National Bank across all states shares this same prefix. It is assigned by the RBI and never changes.
- Reserved — 0
- The 5th character is always 0 (zero), reserved by the RBI for future use. It acts as a separator between the bank identifier and the branch-specific code and is mandatory in all electronic fund transfer systems.
- Branch Code — 010220
- The final 6 characters 010220 uniquely identify this specific branch within the Punjab National Bank network. No two branches share the same branch code. Use this code to verify you have the correct branch before initiating any NEFT, RTGS, or IMPS transfer.
| Segment | Chars | Value | Purpose |
|---|---|---|---|
| Bank Code | 1–4 | PUNB | Identifies Punjab National Bank |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 010220 | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
Swipe left to view full cheque
Punjab National Bank
Lake Gardens (162/a/89 Lake Gardens - 0220), Kolkata, West Bengal
Cheque No.
00010220
A/c No.
Authorised Signatory
IFSC vs MICR — Functional Comparison
Two different codes, two different banking systems
| Feature | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Length & Format | 11 characters — alphanumeric | 9 digits — numeric only |
| This Branch | PUNB0010220 | Not available |
| Primary Use | Electronic fund transfers: NEFT, RTGS, IMPS, UPI | Physical cheque clearing at clearing houses |
| Medium | Digital / online — no physical document needed | Printed in magnetic ink on cheque leaf bottom band |
| Processing Speed | Real-time (IMPS/UPI) or 30-min batches (NEFT) | T+1 or T+2 clearing cycle via RBI clearing houses |
| Where to Find It | Cheque leaf (top area), passbook first page, net banking | Bottom band of cheque leaf (the printed magnetic strip) |
| Assigned By | RBI — permanent unless branch is relocated/merged | RBI — encodes city (3) + bank (3) + branch (3) digits |
| Required For | Adding a payee / beneficiary for online transfer | Cheque book issuance and clearing house processing |
Source: Reserve Bank of India (RBI) Payment Systems Guidelines. IFSC mandatory for NEFT/RTGS/IMPS since 2010; MICR used by CTS-2010 standard cheque clearing.