Branch Details — PUNB0965500
| Bank Name | Punjab National Bank |
| Branch Name | Garifa |
| IFSC Code | PUNB0965500 |
| MICR Code | 700024120 |
| Bank Code (RBI) | PUNB |
| Branch Code | 965500 |
| Address | NETAJI BHAWAN MALANCHA RAOD NAIHATI WARD NO 2 PO HAZINAGAR PS NAIHATI WB NPARG 743135 |
| City | North 24 Parganas |
| District | Naihati |
| State | West Bengal |
| Contact | +917044003389 |
| Toll Free | 1800-180-2222 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using PUNB0965500
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC PUNB0965500.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC PUNB0965500.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is PUNB0965500. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Punjab National Bank Garifa branch, North 24 Parganas, West Bengal.
The MICR code is 700024120. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: NETAJI BHAWAN MALANCHA RAOD NAIHATI WARD NO 2 PO HAZINAGAR PS NAIHATI WB NPARG 743135. 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 965500 identify the Garifa branch.
Yes. Punjab National Bank Garifa Branch (IFSC: PUNB0965500) 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 PUNB0965500 → select NEFT/RTGS/IMPS → confirm with OTP.