IFSC Code of Punjab National Bank, Chandigarhsec Nineteen D Branch, Chandigarh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, CHANDIGARHSEC NINETEEN D branch in CHANDIGARH. The 11-digit IFSC PUNB0036510 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Punjab National Bank at the CHANDIGARHSEC NINETEEN D location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Punjab National Bank's CHANDIGARHSEC NINETEEN D branch, the IFSC PUNB0036510 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 036510 identifies this particular branch.

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Chandigarhsec Nineteen D branch in Chandigarh. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, PUNB0036510.

Branch details at a glance

About this branch

The branch is located at SCO-3, SECTOR 27-C CHANDIGARH-160027 160027. It serves the Chandigarh 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 PUNB0036510 is used to identify this branch on the RBI payments network.

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 CHANDIGARHSEC NINETEEN D branch came to be assigned the code PUNB0036510.

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 PUNB0036510, money simply cannot be routed to the CHANDIGARHSEC NINETEEN D branch electronically.

Products and account variants supported

Every account opened at the Chandigarhsec Nineteen D branch is mapped to IFSC PUNB0036510 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 PUNB0036510.

Products and services

Customers walking into the Chandigarhsec Nineteen D 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 PUNB0036510

How to transfer money using IFSC PUNB0036510

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 PUNB0036510 across all three.

How to use IFSC PUNB0036510 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's CHANDIGARHSEC NINETEEN D 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 PUNB0036510.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as CHANDIGARHSEC NINETEEN D.
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 CHANDIGARHSEC NINETEEN D

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's CHANDIGARHSEC NINETEEN D branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0036510 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank CHANDIGARHSEC NINETEEN D (IFSC PUNB0036510)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0036510 in your mobile or internet banking app, and the money is credited to the CHANDIGARHSEC NINETEEN D branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Chandigarhsec Nineteen D

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 PUNB0036510:

• 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 CHANDIGARHSEC NINETEEN D is still linked to IFSC PUNB0036510.

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.

UPI payments and IFSC PUNB0036510

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Punjab National Bank – CHANDIGARHSEC NINETEEN D is still mapped to IFSC PUNB0036510. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC PUNB0036510 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Chandigarhsec Nineteen D 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 PUNB0036510 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.

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 PUNB0036510 and the account number together uniquely identify the Chandigarhsec Nineteen D branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – CHANDIGARHSEC NINETEEN D:

• The IFSC is exactly PUNB0036510 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 CHANDIGARHSEC NINETEEN D 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.

Reaching the branch

The Chandigarhsec Nineteen D branch sits at SCO-3, SECTOR 27-C CHANDIGARH-160027 160027. If you are travelling from outside Chandigarh, search for the branch on a maps application using the bank name and locality, or call 172-2782116 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC PUNB0036510 and your account number.

Verifying IFSC PUNB0036510 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm PUNB0036510 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 172-2782116.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Chandigarhsec Nineteen D 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 PUNB0036510 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0036510 belongs to Punjab National Bank's CHANDIGARHSEC NINETEEN D branch, located at SCO-3, SECTOR 27-C CHANDIGARH-160027 160027 in CHANDIGARH, CHANDIGARH. 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.