Use this page as a one-stop reference for everything related to Punjab National Bank's RAMAPURAMCHENNAI branch in CHENNAI, TAMIL NADU. The branch's IFSC code PUNB0597600 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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, PUNB0597600 is the IFSC of Punjab National Bank's RAMAPURAMCHENNAI branch. The format is fixed: PUNB = bank code, 0 = reserved, 597600 = 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 Ramapuramchennai branch in Chennai, Tamil Nadu is part of this network and uses the IFSC code PUNB0597600 for all electronic settlement.
Ramapuramchennai branch overview
Located at DOOR NO 3 61 THIRUVALLUVAR SALAI RAMAPURAM CHENNAI TAMIL NADU 600089, the Ramapuramchennai branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0597600 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Ramapuramchennai |
| IFSC Code | PUNB0597600 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DOOR NO 3 61 THIRUVALLUVAR SALAI RAMAPURAM CHENNAI TAMIL NADU 600089 |
| City | Chennai |
| District | Chennai |
| State | Tamil Nadu |
Why every Punjab National Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including RAMAPURAMCHENNAI of Punjab National Bank — its own 11-character IFSC. The code PUNB0597600 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC PUNB0597600 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Ramapuramchennai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0597600 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC PUNB0597600
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 PUNB0597600 across all three.
How to use IFSC PUNB0597600 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's RAMAPURAMCHENNAI 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC PUNB0597600.
- Confirm the bank name auto-populates as Punjab National Bank and the branch as RAMAPURAMCHENNAI.
- 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 RAMAPURAMCHENNAI
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's RAMAPURAMCHENNAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0597600 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 – RAMAPURAMCHENNAI, use IMPS. With IFSC PUNB0597600 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0597600 for Punjab National Bank – RAMAPURAMCHENNAI, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – PUNB0597600 | Yes – PUNB0597600 | Yes – PUNB0597600 |
For most retail customers crediting the Ramapuramchennai branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
UPI payments and IFSC PUNB0597600
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 – RAMAPURAMCHENNAI is still mapped to IFSC PUNB0597600. 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 PUNB0597600 and the beneficiary's account number to complete the transfer.
Account types you can open at the Ramapuramchennai branch
Once you have an account at Punjab National Bank – RAMAPURAMCHENNAI, the IFSC PUNB0597600 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Ramapuramchennai branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC PUNB0597600
Online banking and IFSC PUNB0597600
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the RAMAPURAMCHENNAI 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 PUNB0597600 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.
Reaching the branch
The Ramapuramchennai branch sits at DOOR NO 3 61 THIRUVALLUVAR SALAI RAMAPURAM CHENNAI TAMIL NADU 600089. If you are travelling from outside Chennai, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 PUNB0597600 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 – RAMAPURAMCHENNAI:
- The IFSC is exactly PUNB0597600 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 RAMAPURAMCHENNAI 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.
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 Ramapuramchennai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0597600, however, work 24x7.
Verifying IFSC PUNB0597600 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 PUNB0597600 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- Visiting the bank's official branch locator page.
Branch address & contact
Punjab National BankRamapuramchennai Branch
DOOR NO 3 61 THIRUVALLUVAR SALAI RAMAPURAM CHENNAI TAMIL NADU 600089
Chennai, Tamil Nadu
Phone: the branch contact number
IFSC: PUNB0597600
Frequently asked questions
Where is Punjab National Bank Ramapuramchennai branch located?
Punjab National Bank's Ramapuramchennai branch is located at DOOR NO 3 61 THIRUVALLUVAR SALAI RAMAPURAM CHENNAI TAMIL NADU 600089, Chennai, Tamil Nadu.
How quickly will an NEFT transfer using PUNB0597600 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Ramapuramchennai reflect within 30 minutes.
What is the IFSC code of Punjab National Bank Ramapuramchennai branch?
The IFSC code of Punjab National Bank, Ramapuramchennai branch is PUNB0597600. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC PUNB0597600 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0597600 to send funds instantly.
Is IFSC PUNB0597600 valid for NEFT and RTGS?
Yes. IFSC PUNB0597600 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC PUNB0597600 the same for all accounts at Ramapuramchennai branch?
Yes. The IFSC PUNB0597600 is shared by every account held at Punjab National Bank's Ramapuramchennai branch. Only the account number changes from customer to customer.
What is the phone number of Punjab National Bank Ramapuramchennai branch?
You can reach the branch at the branch contact number during regular banking hours.
Summary
The IFSC code PUNB0597600 belongs to Punjab National Bank's RAMAPURAMCHENNAI branch, located at DOOR NO 3 61 THIRUVALLUVAR SALAI RAMAPURAM CHENNAI TAMIL NADU 600089 in CHENNAI, TAMIL NADU. 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.
