IFSC Code of Punjab National Bank, Sanjay Gandhi Transport Nagar Branch, Delhi

Use this page as a one-stop reference for everything related to Punjab National Bank's SANJAY GANDHI TRANSPORT NAGAR branch in DELHI, DELHI. The branch's IFSC code PUNB0499100 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, PUNB0499100 is the IFSC of Punjab National Bank's SANJAY GANDHI TRANSPORT NAGAR branch. The format is fixed: PUNB = bank code, 0 = reserved, 499100 = branch identifier.

Branch details at a glance

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Sanjay Gandhi Transport Nagar branch — IFSC PUNB0499100 — extends the bank's services to customers in and around Delhi, Delhi.

About the Sanjay Gandhi Transport Nagar branch

The Sanjay Gandhi Transport Nagar branch of Punjab National Bank is situated at AG-102 SANJAY GANDHI TRANSPORT NAGAR. 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 PUNB0499100 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 SANJAY GANDHI TRANSPORT NAGAR branch came to be assigned the code PUNB0499100.

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 PUNB0499100, money simply cannot be routed to the SANJAY GANDHI TRANSPORT NAGAR branch electronically.

How to transfer money using IFSC PUNB0499100

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 PUNB0499100 across all three.

NEFT to Punjab National Bank, SANJAY GANDHI TRANSPORT NAGAR using IFSC PUNB0499100

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 PUNB0499100, and confirm that the system picks up Punjab National Bank – SANJAY GANDHI TRANSPORT NAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PUNB0499100

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 – SANJAY GANDHI TRANSPORT NAGAR, ensure your bank's portal accepts IFSC PUNB0499100 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank SANJAY GANDHI TRANSPORT NAGAR (IFSC PUNB0499100)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0499100 in your mobile or internet banking app, and the money is credited to the SANJAY GANDHI TRANSPORT NAGAR branch account within seconds.

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

All three modes accept the IFSC PUNB0499100 for Punjab National Bank – SANJAY GANDHI TRANSPORT NAGAR, 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 Sanjay Gandhi Transport Nagar 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.

UPI payments and IFSC PUNB0499100

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 – SANJAY GANDHI TRANSPORT NAGAR is still mapped to IFSC PUNB0499100. 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 PUNB0499100 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Sanjay Gandhi Transport Nagar branch is mapped to IFSC PUNB0499100 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 PUNB0499100.

Banking services available

The Sanjay Gandhi Transport Nagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• 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 PUNB0499100

MICR & cheque-truncation details

Cheques drawn on the Sanjay Gandhi Transport Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0499100 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC PUNB0499100

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the SANJAY GANDHI TRANSPORT NAGAR 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 PUNB0499100 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.

Common mistakes to avoid when using IFSC PUNB0499100

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 – SANJAY GANDHI TRANSPORT NAGAR, 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: PUNB0499100.
• 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.

Reaching the branch

The Sanjay Gandhi Transport Nagar branch sits at AG-102 SANJAY GANDHI TRANSPORT NAGAR. If you are travelling from outside Delhi, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 PUNB0499100 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0499100 for Punjab National Bank – SANJAY GANDHI TRANSPORT 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 Sanjay Gandhi Transport 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 PUNB0499100 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0499100 belongs to Punjab National Bank's SANJAY GANDHI TRANSPORT NAGAR branch, located at AG-102 SANJAY GANDHI TRANSPORT 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.