IFSC Code of Punjab National Bank, Delhi New Overseas Branch, Branch, Delhi

Use this page as a one-stop reference for everything related to Punjab National Bank's DELHI NEW OVERSEAS BRANCH, branch in DELHI, DELHI. The branch's IFSC code PUNB0225400 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, PUNB0225400 is the IFSC of Punjab National Bank's DELHI NEW OVERSEAS BRANCH, branch. The format is fixed: PUNB = bank code, 0 = reserved, 225400 = branch identifier.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Delhi New Overseas Branch, branch — IFSC PUNB0225400 — extends the bank's services to customers in and around Delhi, Delhi.

Branch details at a glance

About the Delhi New Overseas Branch, branch

The Delhi New Overseas Branch, branch of Punjab National Bank is situated at INTERNATIONAL BANKING BRANCH 8TH FLOOR. 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 PUNB0225400 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 DELHI NEW OVERSEAS BRANCH, branch came to be assigned the code PUNB0225400.

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 PUNB0225400, money simply cannot be routed to the DELHI NEW OVERSEAS BRANCH, branch electronically.

Products and account variants supported

Every account opened at the Delhi New Overseas Branch, branch is mapped to IFSC PUNB0225400 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 PUNB0225400.

Products and services

Customers walking into the Delhi New Overseas Branch, 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 PUNB0225400

How to transfer money using IFSC PUNB0225400

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 PUNB0225400 across all three.

NEFT to Punjab National Bank, DELHI NEW OVERSEAS BRANCH, using IFSC PUNB0225400

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 PUNB0225400, and confirm that the system picks up Punjab National Bank – DELHI NEW OVERSEAS BRANCH,. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to DELHI NEW OVERSEAS BRANCH,

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's DELHI NEW OVERSEAS BRANCH, branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0225400 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank DELHI NEW OVERSEAS BRANCH, (IFSC PUNB0225400)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0225400 in your mobile or internet banking app, and the money is credited to the DELHI NEW OVERSEAS BRANCH, branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC PUNB0225400 for Punjab National Bank – DELHI NEW OVERSEAS BRANCH,, 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 Delhi New Overseas Branch, 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 DELHI NEW OVERSEAS BRANCH, branch, the IFSC PUNB0225400 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 Delhi New Overseas Branch, 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 PUNB0225400 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 PUNB0225400 and the account number together uniquely identify the Delhi New Overseas Branch, 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 – DELHI NEW OVERSEAS BRANCH,:

• The IFSC is exactly PUNB0225400 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 DELHI NEW OVERSEAS BRANCH, 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 Delhi New Overseas Branch, branch

The branch is located at INTERNATIONAL BANKING BRANCH 8TH FLOOR, which puts it inside Delhi, the broader Delhi district, and the state of Delhi. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Delhi New Overseas Branch, branch” — the verified location pin for IFSC PUNB0225400 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 PUNB0225400 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0225400 for Punjab National Bank – DELHI NEW OVERSEAS BRANCH,, 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 Delhi New Overseas Branch, branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0225400, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0225400 belongs to Punjab National Bank's DELHI NEW OVERSEAS BRANCH, branch, located at INTERNATIONAL BANKING BRANCH 8TH FLOOR in DELHI, DELHI. 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.