IFSC Code of Punjab National Bank, Gannavaram-Distt. Krishna Branch, Andhra Pradesh

Use this page as a one-stop reference for everything related to Punjab National Bank's GANNAVARAM-DISTT. KRISHNA branch in GANNAVARAM,DISTT. KRISHNA, ANDHRA PRADESH. The branch's IFSC code PUNB0212510 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.

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 GANNAVARAM-DISTT. KRISHNA branch, the IFSC PUNB0212510 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 212510 identifies this particular branch.

About the bank

Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Gannavaram-Distt. Krishna branch in Gannavaram,Distt. Krishna, Andhra Pradesh is part of this network and uses the IFSC code PUNB0212510 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at D.NO.10-125, OPP.PANCH AYATHI OFF, SRI RAM NA 521101. It serves the Gannavaram,Distt. Krishna 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 PUNB0212510 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 GANNAVARAM-DISTT. KRISHNA branch came to be assigned the code PUNB0212510.

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 PUNB0212510, money simply cannot be routed to the GANNAVARAM-DISTT. KRISHNA branch electronically.

Account types you can open at the Gannavaram-Distt. Krishna branch

Once you have an account at Punjab National Bank – GANNAVARAM-DISTT. KRISHNA, the IFSC PUNB0212510 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 Gannavaram-Distt. Krishna branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8676-9440011742.

• 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 PUNB0212510

How to transfer money using IFSC PUNB0212510

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 PUNB0212510 across all three.

How to use IFSC PUNB0212510 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's GANNAVARAM-DISTT. KRISHNA branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC PUNB0212510.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as GANNAVARAM-DISTT. KRISHNA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to GANNAVARAM-DISTT. KRISHNA

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's GANNAVARAM-DISTT. KRISHNA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0212510 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank GANNAVARAM-DISTT. KRISHNA (IFSC PUNB0212510)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0212510 in your mobile or internet banking app, and the money is credited to the GANNAVARAM-DISTT. KRISHNA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Gannavaram-Distt. Krishna

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 PUNB0212510:

• 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 GANNAVARAM-DISTT. KRISHNA is still linked to IFSC PUNB0212510.

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.

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 GANNAVARAM-DISTT. KRISHNA branch, the IFSC PUNB0212510 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.

Online banking and IFSC PUNB0212510

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the GANNAVARAM-DISTT. KRISHNA 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 PUNB0212510 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.

MICR & cheque-truncation details

Cheques drawn on the Gannavaram-Distt. Krishna branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0212510 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC PUNB0212510

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 – GANNAVARAM-DISTT. KRISHNA, 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: PUNB0212510.
• 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.

How to reach the Gannavaram-Distt. Krishna branch

The branch is located at D.NO.10-125, OPP.PANCH AYATHI OFF, SRI RAM NA 521101, which puts it inside Gannavaram,Distt. Krishna, the broader Krishna district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Gannavaram-Distt. Krishna branch” — the verified location pin for IFSC PUNB0212510 should appear at the top of the results.
2. Confirm the branch is open by calling 8676-9440011742 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 PUNB0212510 and your account number.

Verifying IFSC PUNB0212510 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 PUNB0212510 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8676-9440011742.
• Visiting the bank's official branch locator page.

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 Gannavaram-Distt. Krishna branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0212510, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0212510 belongs to Punjab National Bank's GANNAVARAM-DISTT. KRISHNA branch, located at D.NO.10-125, OPP.PANCH AYATHI OFF, SRI RAM NA 521101 in GANNAVARAM,DISTT. KRISHNA, ANDHRA 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.