IFSC Code of Punjab National Bank, Bhubneshwar-Sahid Nagar Branch, Odisha

Below are the complete branch details for Punjab National Bank, BHUBNESHWAR-SAHID NAGAR branch, located in BHUBANESHWAR, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0049510. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case PUNB0049510 for Punjab National Bank – BHUBNESHWAR-SAHID NAGAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, PUNB0049510 is the IFSC of Punjab National Bank's BHUBNESHWAR-SAHID NAGAR branch. The format is fixed: PUNB = bank code, 0 = reserved, 049510 = branch identifier.

About the bank

Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bhubneshwar-Sahid Nagar branch in Bhubaneshwar, Odisha is part of this network and uses the IFSC code PUNB0049510 for all electronic settlement.

About this branch

The branch is located at ALOK BHARTI TOWER SAHID NAGAR 751007. It serves the Bhubaneshwar region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Punjab National Bank. The IFSC PUNB0049510 is used to identify this branch on the RBI payments network.

Branch details at a glance

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Punjab National Bank's BHUBNESHWAR-SAHID NAGAR branch came to be assigned the code PUNB0049510.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC PUNB0049510, money simply cannot be routed to the BHUBNESHWAR-SAHID NAGAR branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Punjab National Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC PUNB0049510 and the account number together uniquely identify the Bhubneshwar-Sahid Nagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC PUNB0049510

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC PUNB0049510 across all three.

How to use IFSC PUNB0049510 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's BHUBNESHWAR-SAHID NAGAR branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC PUNB0049510.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as BHUBNESHWAR-SAHID NAGAR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to BHUBNESHWAR-SAHID NAGAR

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's BHUBNESHWAR-SAHID NAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0049510 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Punjab National Bank – BHUBNESHWAR-SAHID NAGAR, use IMPS. With IFSC PUNB0049510 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Bhubneshwar-Sahid Nagar

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC PUNB0049510:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at BHUBNESHWAR-SAHID NAGAR is still linked to IFSC PUNB0049510.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Punjab National Bank's BHUBNESHWAR-SAHID NAGAR branch, the IFSC PUNB0049510 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the Bhubneshwar-Sahid Nagar branch is mapped to IFSC PUNB0049510 on the RBI payments network. The branch generally supports the full retail product catalogue of Punjab National Bank, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains PUNB0049510.

Products and services

Customers walking into the Bhubneshwar-Sahid Nagar branch can access most of Punjab National Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC PUNB0049510

Digital banking channels

Most day-to-day work that customers used to do at the Bhubneshwar-Sahid Nagar branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC PUNB0049510 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

How to reach the Bhubneshwar-Sahid Nagar branch

The branch is located at ALOK BHARTI TOWER SAHID NAGAR 751007, which puts it inside Bhubaneshwar, the broader Khordha district, and the state of Odisha. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Bhubneshwar-Sahid Nagar branch” — the verified location pin for IFSC PUNB0049510 should appear at the top of the results.
2. Confirm the branch is open by calling 674-2547735 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC PUNB0049510 and your account number.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Punjab National Bank – BHUBNESHWAR-SAHID NAGAR:

• The IFSC is exactly PUNB0049510 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Punjab National Bank as the bank name and BHUBNESHWAR-SAHID NAGAR as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Working hours

Branch counters at Bhubneshwar-Sahid Nagar are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to PUNB0049510 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0049510 for Punjab National Bank – BHUBNESHWAR-SAHID NAGAR, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0049510 belongs to Punjab National Bank's BHUBNESHWAR-SAHID NAGAR branch, located at ALOK BHARTI TOWER SAHID NAGAR 751007 in BHUBANESHWAR, ODISHA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.