IFSC Code of Punjab National Bank, HO Agri Business and Finance Division Branch, Delhi

Use this page as a one-stop reference for everything related to Punjab National Bank's HO AGRI BUSINESS AND FINANCE DIVISION branch in DELHI, DELHI. The branch's IFSC code PUNB0400000 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 HO AGRI BUSINESS AND FINANCE DIVISION branch, the IFSC PUNB0400000 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 400000 identifies this particular branch.

Branch details at a glance

About the bank

Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its HO Agri Business and Finance Division branch in Delhi, Delhi is part of this network and uses the IFSC code PUNB0400000 for all electronic settlement.

About the HO Agri Business and Finance Division branch

The HO Agri Business and Finance Division branch of Punjab National Bank is situated at ATMARAM HOUSE TOLSTOY MARG. 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 PUNB0400000 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 HO AGRI BUSINESS AND FINANCE DIVISION branch came to be assigned the code PUNB0400000.

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 PUNB0400000, money simply cannot be routed to the HO AGRI BUSINESS AND FINANCE DIVISION branch electronically.

How to transfer money using IFSC PUNB0400000

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 PUNB0400000 across all three.

NEFT to Punjab National Bank, HO AGRI BUSINESS AND FINANCE DIVISION using IFSC PUNB0400000

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 PUNB0400000, and confirm that the system picks up Punjab National Bank – HO AGRI BUSINESS AND FINANCE DIVISION. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to HO AGRI BUSINESS AND FINANCE DIVISION

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's HO AGRI BUSINESS AND FINANCE DIVISION branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0400000 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank HO AGRI BUSINESS AND FINANCE DIVISION (IFSC PUNB0400000)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0400000 in your mobile or internet banking app, and the money is credited to the HO AGRI BUSINESS AND FINANCE DIVISION branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to HO Agri Business and Finance Division

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 PUNB0400000:

• 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 HO AGRI BUSINESS AND FINANCE DIVISION is still linked to IFSC PUNB0400000.

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 PUNB0400000

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 – HO AGRI BUSINESS AND FINANCE DIVISION is still mapped to IFSC PUNB0400000. 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 PUNB0400000 and the beneficiary's account number to complete the transfer.

Account types you can open at the HO Agri Business and Finance Division branch

Once you have an account at Punjab National Bank – HO AGRI BUSINESS AND FINANCE DIVISION, the IFSC PUNB0400000 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 HO Agri Business and Finance Division branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 11-25731036.

• 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 PUNB0400000

MICR & cheque-truncation details

Cheques drawn on the HO Agri Business and Finance Division branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0400000 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the HO Agri Business and Finance Division 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 PUNB0400000 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.

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 – HO AGRI BUSINESS AND FINANCE DIVISION:

• The IFSC is exactly PUNB0400000 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 HO AGRI BUSINESS AND FINANCE DIVISION 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 HO Agri Business and Finance Division branch sits at ATMARAM HOUSE TOLSTOY MARG. If you are travelling from outside Delhi, search for the branch on a maps application using the bank name and locality, or call 11-25731036 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 PUNB0400000 and your account number.

Verifying IFSC PUNB0400000 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 PUNB0400000 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 11-25731036.
• 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 HO Agri Business and Finance Division branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0400000, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0400000 is the IFSC code of Punjab National Bank, HO AGRI BUSINESS AND FINANCE DIVISION branch, in DELHI, DELHI. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.