IFSC Code of Punjab National Bank, Umarpoti,Distt-Durg Branch, Chhattisgarh

Below are the complete branch details for Punjab National Bank, UMARPOTI,DISTT-DURG branch, located in DURG, CHHATTISGARH. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0216410. 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 PUNB0216410 for Punjab National Bank – UMARPOTI,DISTT-DURG — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – UMARPOTI,DISTT-DURG is PUNB0216410. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 216410 map to this branch in DURG, CHHATTISGARH.

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 Umarpoti,Distt-Durg branch in Durg, Chhattisgarh is part of this network and uses the IFSC code PUNB0216410 for all electronic settlement.

About this branch

The branch is located at UMARPOTI, P.O. PURAI, TEHSIL DIST.DURG491107 491107. It serves the Durg 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 PUNB0216410 is used to identify this branch on the RBI payments network.

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 UMARPOTI,DISTT-DURG branch came to be assigned the code PUNB0216410.

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 PUNB0216410, money simply cannot be routed to the UMARPOTI,DISTT-DURG branch electronically.

How to transfer money using IFSC PUNB0216410

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 PUNB0216410 across all three.

NEFT to Punjab National Bank, UMARPOTI,DISTT-DURG using IFSC PUNB0216410

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 PUNB0216410, and confirm that the system picks up Punjab National Bank – UMARPOTI,DISTT-DURG. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to UMARPOTI,DISTT-DURG

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's UMARPOTI,DISTT-DURG branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0216410 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank UMARPOTI,DISTT-DURG (IFSC PUNB0216410)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0216410 in your mobile or internet banking app, and the money is credited to the UMARPOTI,DISTT-DURG branch account within seconds.

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

All three modes accept the IFSC PUNB0216410 for Punjab National Bank – UMARPOTI,DISTT-DURG, 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 Umarpoti,Distt-Durg 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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Punjab National Bank's UMARPOTI,DISTT-DURG branch, the IFSC PUNB0216410 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Account types you can open at the Umarpoti,Distt-Durg branch

Once you have an account at Punjab National Bank – UMARPOTI,DISTT-DURG, the IFSC PUNB0216410 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 Umarpoti,Distt-Durg branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 788-9165422361.

• 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 PUNB0216410

MICR & cheque-truncation details

Cheques drawn on the Umarpoti,Distt-Durg branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0216410 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 Umarpoti,Distt-Durg 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 PUNB0216410 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 – UMARPOTI,DISTT-DURG:

• The IFSC is exactly PUNB0216410 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 UMARPOTI,DISTT-DURG 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 Umarpoti,Distt-Durg branch sits at UMARPOTI, P.O. PURAI, TEHSIL DIST.DURG491107 491107. If you are travelling from outside Durg, search for the branch on a maps application using the bank name and locality, or call 788-9165422361 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 PUNB0216410 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0216410 for Punjab National Bank – UMARPOTI,DISTT-DURG, 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 Umarpoti,Distt-Durg 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 PUNB0216410 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0216410 belongs to Punjab National Bank's UMARPOTI,DISTT-DURG branch, located at UMARPOTI, P.O. PURAI, TEHSIL DIST.DURG491107 491107 in DURG, CHHATTISGARH. 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.