Branch Details — PUNB0050120
| Bank Name | Punjab National Bank |
| Branch Name | Ratua |
| IFSC Code | PUNB0050120 |
| MICR Code | Not allotted |
| Bank Code (RBI) | PUNB |
| Branch Code | 050120 |
| Address | RATUA,MALDA |
| City | Malda |
| District | Ratua |
| State | West Bengal |
| Toll Free | 1800-180-2222 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using PUNB0050120
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC PUNB0050120.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC PUNB0050120.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is PUNB0050120. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Punjab National Bank Ratua branch, Malda, West Bengal.
This branch has not been allotted an MICR code in RBI records.
Address: RATUA,MALDA. 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 050120 identify the Ratua branch.
Yes. Punjab National Bank Ratua Branch (IFSC: PUNB0050120) 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 PUNB0050120 → select NEFT/RTGS/IMPS → confirm with OTP.