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Prathama Bank IFSC and MICR Code:

State wise list of Prathama Bank IFSC code, MICR code and addresses of all branches in India

Locate any details of Prathama Bank branch in India.

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Prathama Bank IFSC Code:

With the advent of technology, internet has been probably the biggest blessing mankind has been bestowed with, since the last few decades. Be it shopping, booking tickets, connecting with your loved ones, browsing information; internet makes all of these possible just with a couple of clicks. When it comes to internet simplifying lives for millions of people across the world, banking surely tops the list. Being able to transfer funds and make other banking transactions online has spared the horror of going to a bank and standing in long winding queues to accomplish a simple transaction, for millions of people. Apart from speeding up the process of funds transfer, it also comes in handy during times of need and is hassle-free.

As per the RBI directives, to make the process of funds transfer simple and fast two electronic payment services called NEFT (National Electronic Funds Transfer) and RTGS (Real Time Gross Settlement) have been introduced. Now, to ensure that the process of transferring money online is completed securely and quickly; a unique alphanumeric code known as IFSC code is compulsory. Along with the account details of the beneficiary, putting in the correct IFSC code of his bank branch is crucial for successful completion of transferring funds online. Please note that for banks to be able to offer NEFT and RTGS facilities to customers, the former has to be a part of NEFT network.

IFSC is an 11 character unique alphanumeric code, issued by the Reserve Bank of India to banks which are a part of the NEFT network. This assists the process of regulating the flow of funds from one bank to another bank into which the money is being transferred. With the help of a correct IFSC code users can transfer money to account held in a bank, which is a part of the NEFT network.

So, why does IFSC comprise 11 characters and what do these characters signify? The first 4 characters of the IFSC signifies the bank’s name in which the account is held. The fifth character is always zero (numeric). This has been reserved for future use. As IFSC is a unique identification code, the last 6 characters are representative of the specific branch in which the account is held. For instance, Prathama Bank IFSC code for the Pakbara branch is PRTH0011012. The first 4 characters ‘PRTH’ are representative of the bank name. In this case it is Prathama Bank. The fifth character is zero, and the last 6 characters ‘011012’ signify the specific branch. In this case it is Pakbara branch.

How to Search for Prathama Bank IFSC & MICR Codes?

Finding an IFSC and MICR code of a bank branch is extremely simple. This can be done both online and offline. For internet savvy users, finding the desired bank’s IFSC and MICR code online is definitely more convenient. For customers who don’t have easy access to internet, they can refer to their account cheque book and also the pass book. Every leaf of the cheque book has the MICR and IFSC code of the cheque book issuing branch. Even the first page of the account passbook has its IFSC code printed on it. You can also visit Prathama Bank’s website, and you will get a list of all the IFSC and MICR codes of every branch of the bank.

Alternatively, you can also visit a neutral third party financial website like BankBazaar to find the IFSC and MICR codes of Prathama Bank. Once you are on portal’s main page, you will come across a tab saying ‘Bank IFSC Code’. You just need to click on the tab, after which you will be directed to another page. This page consists of four drop down menus. You have to put in, correctly, the name of the bank, the city and state, and the specific branch of which you need the IFSC code. On providing all the correct details in the required fields, the page will show the IFSC and MICR code of the bank. Apart from this, you will also see the address and contact details of the bank branch.

To use a simple, time effective and hassle-free system of transferring funds use NEFT and RTGS services for transferring money to anyone across the country within just a few hours. If you are using NEFT or RTGS, you must provide the correct IFSC code of the recipient to complete the process of transfer successfully. Customers of Prathama Bank have both these services at their disposal to transfer money to account holders of the same bank or any other bank, which is essentially a part of the NEFT network.

Service charges of NEFT and RTGS transfers:

The charges have been listed in the table below –

Type of service

Amount

Service Charges

NEFT - to be remitted outward

Up to Rs 1,00,000

Rs. 5/- each transaction

NEFT - to be remitted outward

Above Rs 1,00,000 - up to Rs 2,00,000

Rs 15/- each transaction

NEFT - to be remitted outward

Above Rs 2,00,000

Rs 25/- each transaction

RTGS - for remittance outward

Rs 2 Lakh-5 Lakh

Rs 30/- every transaction

RTGS - for remittance outward

Above Rs 5,00,000

Rs 55/- every transaction

NEFT (National Electronic Funds Transfer):

With the help of this electronic funds transfer service, the customers of Prathama Bank can transfer funds quickly and securely to any account holder with any bank in the country. It is essential for the recipient’s bank to be a part of the NEFT network. Apart from providing the beneficiary’s account IFSC code it is also important to provide his full name in which the account has been opened, the account number, bank and branch, address and type of account.

The timings for NEFT transactions are:

  • Monday to Friday – 8:00 a.m. to 18:30 p.m.
  • Saturday – 8:00 a.m. to 13:00 p.m.

RTGS (Real Time Gross Settlement):

Prathama Bank customers can use this electronic payment service to transfer funds. If you wish to transfer a very high amount, above Rs. 2 lakhs, then it is ideal to use this mode of money transfer. To successfully complete this process provide the account holder’s name, branch, bank, IFSC code and type of account.

The timings for RTGS transactions are as listed below:

  • Monday to Friday – 9 a.m. to 4:30 p.m.
  • Saturday – 9 a.m. to 1:30 p.m.

The first Regional Rural Bank of India, Prathama Bank is sponsored by Syndicate Bank. It was established in the year 1975. The bank’s Head Office is at Moradabad. This is in compliance with Regional Rural Bank Ordinance 1975.


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