IFSC Code of Punjab National Bank, HO Credit Audit and Review Division Branch, Delhi

If you are searching for the IFSC code of Punjab National Bank, HO CREDIT AUDIT AND REVIEW DIVISION branch in DELHI, DELHI, this page has every detail you need. The verified IFSC code for this branch is PUNB0515800. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the HO CREDIT AUDIT AND REVIEW DIVISION branch, and detailed step-by-step guides for using the IFSC PUNB0515800 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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, PUNB0515800 is the IFSC of Punjab National Bank's HO CREDIT AUDIT AND REVIEW DIVISION branch. The format is fixed: PUNB = bank code, 0 = reserved, 515800 = branch identifier.

Branch details at a glance

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the HO Credit Audit and Review Division branch in Delhi. 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, PUNB0515800.

About the HO Credit Audit and Review Division branch

The HO Credit Audit and Review Division branch of Punjab National Bank is situated at PNB HO DELHI DWARKA. 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 PUNB0515800 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 CREDIT AUDIT AND REVIEW DIVISION branch came to be assigned the code PUNB0515800.

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 PUNB0515800, money simply cannot be routed to the HO CREDIT AUDIT AND REVIEW DIVISION branch electronically.

How to transfer money using IFSC PUNB0515800

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 PUNB0515800 across all three.

NEFT to Punjab National Bank, HO CREDIT AUDIT AND REVIEW DIVISION using IFSC PUNB0515800

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 PUNB0515800, and confirm that the system picks up Punjab National Bank – HO CREDIT AUDIT AND REVIEW DIVISION. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PUNB0515800

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 – HO CREDIT AUDIT AND REVIEW DIVISION, ensure your bank's portal accepts IFSC PUNB0515800 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank HO CREDIT AUDIT AND REVIEW DIVISION (IFSC PUNB0515800)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0515800 in your mobile or internet banking app, and the money is credited to the HO CREDIT AUDIT AND REVIEW DIVISION branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to HO Credit Audit and Review 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 PUNB0515800:

• 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 CREDIT AUDIT AND REVIEW DIVISION is still linked to IFSC PUNB0515800.

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 PUNB0515800

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 CREDIT AUDIT AND REVIEW DIVISION is still mapped to IFSC PUNB0515800. 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 PUNB0515800 and the beneficiary's account number to complete the transfer.

Account types you can open at the HO Credit Audit and Review Division branch

Once you have an account at Punjab National Bank – HO CREDIT AUDIT AND REVIEW DIVISION, the IFSC PUNB0515800 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 Credit Audit and Review Division branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 11-25749891.

• 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 PUNB0515800

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 PUNB0515800 and the account number together uniquely identify the HO Credit Audit and Review Division branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the HO Credit Audit and Review 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 PUNB0515800 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 CREDIT AUDIT AND REVIEW DIVISION:

• The IFSC is exactly PUNB0515800 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 CREDIT AUDIT AND REVIEW 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 Credit Audit and Review Division branch sits at PNB HO DELHI DWARKA. If you are travelling from outside Delhi, search for the branch on a maps application using the bank name and locality, or call 11-25749891 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 PUNB0515800 and your account number.

Verifying IFSC PUNB0515800 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 PUNB0515800 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 11-25749891.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at HO Credit Audit and Review Division 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 PUNB0515800 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0515800 belongs to Punjab National Bank's HO CREDIT AUDIT AND REVIEW DIVISION branch, located at PNB HO DELHI DWARKA 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.