Below are the complete branch details for Punjab National Bank, CHENNAI, CPPC branch, located in CHENNAI, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0746900. 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 PUNB0746900 for Punjab National Bank – CHENNAI, CPPC — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 CHENNAI, CPPC branch, the IFSC PUNB0746900 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 746900 identifies this particular branch.
About Punjab National Bank
Punjab National Bank operates a wide network of branches across India, including the Chennai, Cppc branch in Chennai. 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, PUNB0746900.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Chennai, Cppc |
| IFSC Code | PUNB0746900 |
| MICR Code | Refer to cheque leaf |
| Branch Address | RAYALA TOWERS,158,ANNA SALAI |
| City | Chennai |
| District | Chennai |
| State | Tamil Nadu |
About this branch
The branch is located at RAYALA TOWERS,158,ANNA SALAI. It serves the Chennai 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 PUNB0746900 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 CHENNAI, CPPC branch came to be assigned the code PUNB0746900.
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 PUNB0746900, money simply cannot be routed to the CHENNAI, CPPC branch electronically.
Products and account variants supported
Every account opened at the Chennai, Cppc branch is mapped to IFSC PUNB0746900 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 PUNB0746900.
Products and services
Customers walking into the Chennai, Cppc 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 PUNB0746900
How to transfer money using IFSC PUNB0746900
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 PUNB0746900 across all three.
NEFT to Punjab National Bank, CHENNAI, CPPC using IFSC PUNB0746900
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC PUNB0746900, and confirm that the system picks up Punjab National Bank – CHENNAI, CPPC. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to CHENNAI, CPPC
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's CHENNAI, CPPC branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0746900 while initiating the transfer and the credit will appear within minutes.
IMPS to Punjab National Bank CHENNAI, CPPC (IFSC PUNB0746900)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0746900 in your mobile or internet banking app, and the money is credited to the CHENNAI, CPPC branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Chennai, Cppc
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 PUNB0746900:
- 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 CHENNAI, CPPC is still linked to IFSC PUNB0746900.
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 CHENNAI, CPPC branch, the IFSC PUNB0746900 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.
Online banking and IFSC PUNB0746900
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the CHENNAI, CPPC branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC PUNB0746900 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
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 PUNB0746900 and the account number together uniquely identify the Chennai, Cppc 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 – CHENNAI, CPPC:
- The IFSC is exactly PUNB0746900 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 CHENNAI, CPPC 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.
How to reach the Chennai, Cppc branch
The branch is located at RAYALA TOWERS,158,ANNA SALAI, which puts it inside Chennai, the broader Chennai district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Chennai, Cppc branch” — the verified location pin for IFSC PUNB0746900 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
- 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 PUNB0746900 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC PUNB0746900 for Punjab National Bank – CHENNAI, CPPC, 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 banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Chennai, Cppc branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0746900, however, work 24x7.
Branch address & contact
Punjab National BankChennai, Cppc Branch
RAYALA TOWERS,158,ANNA SALAI
Chennai, Tamil Nadu
Phone: the branch contact number
IFSC: PUNB0746900
Frequently asked questions
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Chennai, Cppc branch but serve different purposes.
Does Punjab National Bank Chennai, Cppc branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
How do I add Punjab National Bank Chennai, Cppc as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0746900, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using PUNB0746900 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Chennai, Cppc reflect within 30 minutes.
Is IFSC PUNB0746900 the same for all accounts at Chennai, Cppc branch?
Yes. The IFSC PUNB0746900 is shared by every account held at Punjab National Bank's Chennai, Cppc branch. Only the account number changes from customer to customer.
Can I use IFSC PUNB0746900 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0746900 to send funds instantly.
What is the phone number of Punjab National Bank Chennai, Cppc branch?
You can reach the branch at the branch contact number during regular banking hours.
Final notes
To recap: PUNB0746900 is the IFSC code of Punjab National Bank, CHENNAI, CPPC branch, in CHENNAI, TAMIL NADU. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
