IFSC Code of Punjab National Bank, New Delhi W. Patel Ngr-Merged Branch, Delhi

This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, NEW DELHI W. PATEL NGR-MERGED branch in DELHI. The 11-digit IFSC PUNB0307100 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Punjab National Bank at the NEW DELHI W. PATEL NGR-MERGED location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Punjab National Bank – NEW DELHI W. PATEL NGR-MERGED is PUNB0307100. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 307100 map to this branch in DELHI, DELHI.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The New Delhi W. Patel Ngr-Merged branch — IFSC PUNB0307100 — extends the bank's services to customers in and around Delhi, Delhi.

About this branch

The branch is located at 11/11-12,WEST PATEL NAGAR. It serves the Delhi region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Punjab National Bank. The IFSC PUNB0307100 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 NEW DELHI W. PATEL NGR-MERGED branch came to be assigned the code PUNB0307100.

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 PUNB0307100, money simply cannot be routed to the NEW DELHI W. PATEL NGR-MERGED branch electronically.

MICR & cheque-truncation details

Cheques drawn on the New Delhi W. Patel Ngr-Merged branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0307100 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC PUNB0307100

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 PUNB0307100 across all three.

NEFT to Punjab National Bank, NEW DELHI W. PATEL NGR-MERGED using IFSC PUNB0307100

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 PUNB0307100, and confirm that the system picks up Punjab National Bank – NEW DELHI W. PATEL NGR-MERGED. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PUNB0307100

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 – NEW DELHI W. PATEL NGR-MERGED, ensure your bank's portal accepts IFSC PUNB0307100 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank NEW DELHI W. PATEL NGR-MERGED (IFSC PUNB0307100)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0307100 in your mobile or internet banking app, and the money is credited to the NEW DELHI W. PATEL NGR-MERGED branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to New Delhi W. Patel Ngr-Merged

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 PUNB0307100:

• 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 NEW DELHI W. PATEL NGR-MERGED is still linked to IFSC PUNB0307100.

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 PUNB0307100

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 – NEW DELHI W. PATEL NGR-MERGED is still mapped to IFSC PUNB0307100. 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 PUNB0307100 and the beneficiary's account number to complete the transfer.

Account types you can open at the New Delhi W. Patel Ngr-Merged branch

Once you have an account at Punjab National Bank – NEW DELHI W. PATEL NGR-MERGED, the IFSC PUNB0307100 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 New Delhi W. Patel Ngr-Merged 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 PUNB0307100

Online banking and IFSC PUNB0307100

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the NEW DELHI W. PATEL NGR-MERGED branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC PUNB0307100 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

How to reach the New Delhi W. Patel Ngr-Merged branch

The branch is located at 11/11-12,WEST PATEL NAGAR, which puts it inside Delhi, the broader New Delhi district, and the state of Delhi. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank New Delhi W. Patel Ngr-Merged branch” — the verified location pin for IFSC PUNB0307100 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 PUNB0307100 and your account number.

Common mistakes to avoid when using IFSC PUNB0307100

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 – NEW DELHI W. PATEL NGR-MERGED, 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: PUNB0307100.
• 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.

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 New Delhi W. Patel Ngr-Merged branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0307100, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0307100 for Punjab National Bank – NEW DELHI W. PATEL NGR-MERGED, 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 address & contact

Frequently asked questions

Summary

The IFSC code PUNB0307100 belongs to Punjab National Bank's NEW DELHI W. PATEL NGR-MERGED branch, located at 11/11-12,WEST PATEL NAGAR 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.