IFSC Code of Punjab National Bank, Delhi-Swaroop Nagar Branch, Delhi

Use this page as a one-stop reference for everything related to Punjab National Bank's DELHI-SWAROOP NAGAR branch in DELHI, DELHI. The branch's IFSC code PUNB0143610 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.

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 DELHI-SWAROOP NAGAR branch, the IFSC PUNB0143610 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 143610 identifies this particular branch.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Delhi-Swaroop Nagar branch — IFSC PUNB0143610 — extends the bank's services to customers in and around Delhi, Delhi.

Branch details at a glance

About the Delhi-Swaroop Nagar branch

The Delhi-Swaroop Nagar branch of Punjab National Bank is situated at SWAROOP NAGAR,A-1, KASHAK ROAD 110042. 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 PUNB0143610 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-SWAROOP NAGAR branch came to be assigned the code PUNB0143610.

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 PUNB0143610, money simply cannot be routed to the DELHI-SWAROOP NAGAR branch electronically.

Account types you can open at the Delhi-Swaroop Nagar branch

Once you have an account at Punjab National Bank – DELHI-SWAROOP NAGAR, the IFSC PUNB0143610 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.

Products and services

Customers walking into the Delhi-Swaroop Nagar 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 PUNB0143610

How to transfer money using IFSC PUNB0143610

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 PUNB0143610 across all three.

NEFT to Punjab National Bank, DELHI-SWAROOP NAGAR using IFSC PUNB0143610

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 PUNB0143610, and confirm that the system picks up Punjab National Bank – DELHI-SWAROOP NAGAR. 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-SWAROOP NAGAR

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's DELHI-SWAROOP NAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0143610 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank DELHI-SWAROOP NAGAR (IFSC PUNB0143610)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0143610 in your mobile or internet banking app, and the money is credited to the DELHI-SWAROOP NAGAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Delhi-Swaroop Nagar

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 PUNB0143610:

• 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 DELHI-SWAROOP NAGAR is still linked to IFSC PUNB0143610.

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 PUNB0143610

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 – DELHI-SWAROOP NAGAR is still mapped to IFSC PUNB0143610. 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 PUNB0143610 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 Delhi-Swaroop Nagar 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 PUNB0143610 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 Delhi-Swaroop Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0143610 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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-SWAROOP NAGAR:

• The IFSC is exactly PUNB0143610 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-SWAROOP NAGAR 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.

Reaching the branch

The Delhi-Swaroop Nagar branch sits at SWAROOP NAGAR,A-1, KASHAK ROAD 110042. If you are travelling from outside Delhi, search for the branch on a maps application using the bank name and locality, or call 11-27812101 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 PUNB0143610 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0143610 for Punjab National Bank – DELHI-SWAROOP NAGAR, 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.

Working hours

Branch counters at Delhi-Swaroop Nagar 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 PUNB0143610 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0143610 belongs to Punjab National Bank's DELHI-SWAROOP NAGAR branch, located at SWAROOP NAGAR,A-1, KASHAK ROAD 110042 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.