Use this page as a one-stop reference for everything related to Punjab National Bank's CUDDAPAH branch in CUDAPPAHS, ANDHRA PRADESH. The branch's IFSC code PUNB0107900 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, PUNB0107900 is the IFSC of Punjab National Bank's CUDDAPAH branch. The format is fixed: PUNB = bank code, 0 = reserved, 107900 = branch identifier.
Bank profile
Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Cuddapah branch — IFSC PUNB0107900 — extends the bank's services to customers in and around Cudappahs, Andhra Pradesh.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Cuddapah |
| IFSC Code | PUNB0107900 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DWARAKA COMPLEX, NEAR SEVEN |
| City | Cudappahs |
| District | Road Junction |
| State | Andhra Pradesh |
Cuddapah branch overview
Located at DWARAKA COMPLEX, NEAR SEVEN, the Cuddapah branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0107900 is required for all interbank electronic transfers routed through this branch.
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 CUDDAPAH branch came to be assigned the code PUNB0107900.
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 PUNB0107900, money simply cannot be routed to the CUDDAPAH branch electronically.
Account types you can open at the Cuddapah branch
Once you have an account at Punjab National Bank – CUDDAPAH, the IFSC PUNB0107900 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 Cuddapah 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 PUNB0107900
How to transfer money using IFSC PUNB0107900
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 PUNB0107900 across all three.
How to use IFSC PUNB0107900 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's CUDDAPAH 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 PUNB0107900.
- Confirm the bank name auto-populates as Punjab National Bank and the branch as CUDDAPAH.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC PUNB0107900
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 – CUDDAPAH, ensure your bank's portal accepts IFSC PUNB0107900 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Punjab National Bank – CUDDAPAH, use IMPS. With IFSC PUNB0107900 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 Cuddapah
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 PUNB0107900:
- 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 CUDDAPAH is still linked to IFSC PUNB0107900.
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 PUNB0107900
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 – CUDDAPAH is still mapped to IFSC PUNB0107900. 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 PUNB0107900 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 Cuddapah 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 PUNB0107900 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 PUNB0107900 and the account number together uniquely identify the Cuddapah branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC PUNB0107900
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 – CUDDAPAH, 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:
PUNB0107900. - 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 Cuddapah branch
The branch is located at DWARAKA COMPLEX, NEAR SEVEN, which puts it inside Cudappahs, the broader Road Junction district, and the state of Andhra Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Cuddapah branch” — the verified location pin for IFSC PUNB0107900 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 PUNB0107900 and your account number.
Verifying IFSC PUNB0107900 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 PUNB0107900 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 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 Cuddapah branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0107900, however, work 24x7.
Branch address & contact
Punjab National BankCuddapah Branch
DWARAKA COMPLEX, NEAR SEVEN
Cudappahs, Andhra Pradesh
Phone: the branch contact number
IFSC: PUNB0107900
Frequently asked questions
Is IFSC PUNB0107900 the same for all accounts at Cuddapah branch?
Yes. The IFSC PUNB0107900 is shared by every account held at Punjab National Bank's Cuddapah branch. Only the account number changes from customer to customer.
Can I use IFSC PUNB0107900 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0107900 to send funds instantly.
Where is Punjab National Bank Cuddapah branch located?
Punjab National Bank's Cuddapah branch is located at DWARAKA COMPLEX, NEAR SEVEN, Cudappahs, Andhra Pradesh.
How quickly will an NEFT transfer using PUNB0107900 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Cuddapah reflect within 30 minutes.
How do I add Punjab National Bank Cuddapah as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0107900, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Punjab National Bank Cuddapah branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
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 Cuddapah branch but serve different purposes.
Is IFSC PUNB0107900 valid for NEFT and RTGS?
Yes. IFSC PUNB0107900 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code PUNB0107900 belongs to Punjab National Bank's CUDDAPAH branch, located at DWARAKA COMPLEX, NEAR SEVEN in CUDAPPAHS, ANDHRA PRADESH. 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.
