IFSC Code of Punjab National Bank, Deoria Khas Dist- Deoria Branch, Uttar Pradesh

Below are the complete branch details for Punjab National Bank, DEORIA KHAS DIST- DEORIA branch, located in DEORIA, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0193810. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case PUNB0193810 for Punjab National Bank – DEORIA KHAS DIST- DEORIA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 DEORIA KHAS DIST- DEORIA branch, the IFSC PUNB0193810 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 193810 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 Deoria Khas Dist- Deoria branch — IFSC PUNB0193810 — extends the bank's services to customers in and around Deoria, Uttar Pradesh.

Branch details at a glance

About this branch

The branch is located at DEORIA KHAS RAMBABU RD VILL- DEORIA KHAS POST 274001. It serves the Deoria 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 PUNB0193810 is used to identify this branch on the RBI payments network.

Why every Punjab National Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including DEORIA KHAS DIST- DEORIA of Punjab National Bank — its own 11-character IFSC. The code PUNB0193810 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC PUNB0193810 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Deoria Khas Dist- Deoria branch

Once you have an account at Punjab National Bank – DEORIA KHAS DIST- DEORIA, the IFSC PUNB0193810 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 Deoria Khas Dist- Deoria branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 5568-240055.

• 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 PUNB0193810

How to transfer money using IFSC PUNB0193810

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 PUNB0193810 across all three.

NEFT to Punjab National Bank, DEORIA KHAS DIST- DEORIA using IFSC PUNB0193810

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 PUNB0193810, and confirm that the system picks up Punjab National Bank – DEORIA KHAS DIST- DEORIA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to DEORIA KHAS DIST- DEORIA

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's DEORIA KHAS DIST- DEORIA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0193810 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank DEORIA KHAS DIST- DEORIA (IFSC PUNB0193810)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0193810 in your mobile or internet banking app, and the money is credited to the DEORIA KHAS DIST- DEORIA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Deoria Khas Dist- Deoria

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 PUNB0193810:

• 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 DEORIA KHAS DIST- DEORIA is still linked to IFSC PUNB0193810.

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 PUNB0193810

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 – DEORIA KHAS DIST- DEORIA is still mapped to IFSC PUNB0193810. 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 PUNB0193810 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 Deoria Khas Dist- Deoria 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 PUNB0193810 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 Deoria Khas Dist- Deoria branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0193810 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 – DEORIA KHAS DIST- DEORIA:

• The IFSC is exactly PUNB0193810 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 DEORIA KHAS DIST- DEORIA 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 Deoria Khas Dist- Deoria branch sits at DEORIA KHAS RAMBABU RD VILL- DEORIA KHAS POST 274001. If you are travelling from outside Deoria, search for the branch on a maps application using the bank name and locality, or call 5568-240055 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 PUNB0193810 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0193810 for Punjab National Bank – DEORIA KHAS DIST- DEORIA, 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 Deoria Khas Dist- Deoria 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 PUNB0193810 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0193810 belongs to Punjab National Bank's DEORIA KHAS DIST- DEORIA branch, located at DEORIA KHAS RAMBABU RD VILL- DEORIA KHAS POST 274001 in DEORIA, UTTAR PRADESH. 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.