IFSC Code of Punjab National Bank, Chitradurga, Distt Chitradurga Branch, Karnataka

Use this page as a one-stop reference for everything related to Punjab National Bank's CHITRADURGA, DISTT CHITRADURGA branch in CHITRADURGA KARNATAKA, KARNATAKA. The branch's IFSC code PUNB0207010 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, PUNB0207010 is the IFSC of Punjab National Bank's CHITRADURGA, DISTT CHITRADURGA branch. The format is fixed: PUNB = bank code, 0 = reserved, 207010 = branch identifier.

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Chitradurga, Distt Chitradurga branch in Chitradurga Karnataka. 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, PUNB0207010.

Branch details at a glance

About the Chitradurga, Distt Chitradurga branch

The Chitradurga, Distt Chitradurga branch of Punjab National Bank is situated at WARD NO. 35, VTH BLOCK KELOGATE, B.D. ROAD 577501. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code PUNB0207010 is used.

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 CHITRADURGA, DISTT CHITRADURGA branch came to be assigned the code PUNB0207010.

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 PUNB0207010, money simply cannot be routed to the CHITRADURGA, DISTT CHITRADURGA branch electronically.

Account types you can open at the Chitradurga, Distt Chitradurga branch

Once you have an account at Punjab National Bank – CHITRADURGA, DISTT CHITRADURGA, the IFSC PUNB0207010 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 Chitradurga, Distt Chitradurga branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8194-9901621555.

• 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 PUNB0207010

How to transfer money using IFSC PUNB0207010

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 PUNB0207010 across all three.

How to use IFSC PUNB0207010 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's CHITRADURGA, DISTT CHITRADURGA 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 PUNB0207010.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as CHITRADURGA, DISTT CHITRADURGA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC PUNB0207010

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Punjab National Bank – CHITRADURGA, DISTT CHITRADURGA, ensure your bank's portal accepts IFSC PUNB0207010 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Punjab National Bank – CHITRADURGA, DISTT CHITRADURGA, use IMPS. With IFSC PUNB0207010 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 PUNB0207010 for Punjab National Bank – CHITRADURGA, DISTT CHITRADURGA, 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.

For most retail customers crediting the Chitradurga, Distt Chitradurga 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.

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 CHITRADURGA, DISTT CHITRADURGA branch, the IFSC PUNB0207010 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.

Digital banking channels

Most day-to-day work that customers used to do at the Chitradurga, Distt Chitradurga 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 PUNB0207010 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 & cheque-truncation details

Cheques drawn on the Chitradurga, Distt Chitradurga branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0207010 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC PUNB0207010

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Punjab National Bank – CHITRADURGA, DISTT CHITRADURGA, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: PUNB0207010.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the Chitradurga, Distt Chitradurga branch

The branch is located at WARD NO. 35, VTH BLOCK KELOGATE, B.D. ROAD 577501, which puts it inside Chitradurga Karnataka, the broader Chitradurga district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Chitradurga, Distt Chitradurga branch” — the verified location pin for IFSC PUNB0207010 should appear at the top of the results.
2. Confirm the branch is open by calling 8194-9901621555 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 PUNB0207010 and your account number.

Verifying IFSC PUNB0207010 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 PUNB0207010 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8194-9901621555.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Chitradurga, Distt Chitradurga 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 PUNB0207010 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0207010 belongs to Punjab National Bank's CHITRADURGA, DISTT CHITRADURGA branch, located at WARD NO. 35, VTH BLOCK KELOGATE, B.D. ROAD 577501 in CHITRADURGA KARNATAKA, KARNATAKA. 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.