Branch Details — PUNB0123320
| Bank Name | Punjab National Bank |
| Branch Name | Margaongoa |
| IFSC Code | PUNB0123320 |
| MICR Code | Not allotted |
| Bank Code (RBI) | PUNB |
| Branch Code | 123320 |
| Address | KARISHMA APPARTMENTS,M,ARGAON GOA |
| City | South Goa |
| District | Margaongoa |
| State | Goa |
| Toll Free | 1800-180-2222 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using PUNB0123320
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC PUNB0123320.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC PUNB0123320.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is PUNB0123320. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Punjab National Bank Margaongoa branch, South Goa, Goa.
This branch has not been allotted an MICR code in RBI records.
Address: KARISHMA APPARTMENTS,M,ARGAON GOA. Branch timings: Monday–Friday 9:30 AM – 3:30 PM, Saturday 9:30 AM – 1:30 PM (closed 2nd/4th Saturdays).
PUNB identifies Punjab National Bank. The 5th character 0 is reserved by RBI. The last 6 characters 123320 identify the Margaongoa branch.
Yes. Punjab National Bank Margaongoa Branch (IFSC: PUNB0123320) is fully enabled for NEFT, RTGS, IMPS, UPI, available 24×7 including weekends and holidays.
Log in to your bank's net banking or mobile app → Fund Transfer → Add Beneficiary → enter account number and IFSC PUNB0123320 → select NEFT/RTGS/IMPS → confirm with OTP.