IFSC Code of Punjab National Bank, Gauriganj Dist. Sultanpur ,Up Branch, Uttar Pradesh

If you are searching for the IFSC code of Punjab National Bank, GAURIGANJ DIST. SULTANPUR ,UP branch in GAURIGANJ ,UP, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is PUNB0475400. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the GAURIGANJ DIST. SULTANPUR ,UP branch, and detailed step-by-step guides for using the IFSC PUNB0475400 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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, PUNB0475400 is the IFSC of Punjab National Bank's GAURIGANJ DIST. SULTANPUR ,UP branch. The format is fixed: PUNB = bank code, 0 = reserved, 475400 = branch identifier.

About the bank

Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Gauriganj Dist. Sultanpur ,Up branch in Gauriganj ,Up, Uttar Pradesh is part of this network and uses the IFSC code PUNB0475400 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at SHIV MAHESH SHIKSHA SANSTHAN. It serves the Gauriganj ,Up 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 PUNB0475400 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 GAURIGANJ DIST. SULTANPUR ,UP of Punjab National Bank — its own 11-character IFSC. The code PUNB0475400 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 PUNB0475400 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 Gauriganj Dist. Sultanpur ,Up branch

Once you have an account at Punjab National Bank – GAURIGANJ DIST. SULTANPUR ,UP, the IFSC PUNB0475400 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 Gauriganj Dist. Sultanpur ,Up 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 PUNB0475400

How to transfer money using IFSC PUNB0475400

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 PUNB0475400 across all three.

How to use IFSC PUNB0475400 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's GAURIGANJ DIST. SULTANPUR ,UP 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 PUNB0475400.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as GAURIGANJ DIST. SULTANPUR ,UP.
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 GAURIGANJ DIST. SULTANPUR ,UP

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's GAURIGANJ DIST. SULTANPUR ,UP branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0475400 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Punjab National Bank – GAURIGANJ DIST. SULTANPUR ,UP, use IMPS. With IFSC PUNB0475400 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Gauriganj Dist. Sultanpur ,Up

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 PUNB0475400:

• 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 GAURIGANJ DIST. SULTANPUR ,UP is still linked to IFSC PUNB0475400.

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 GAURIGANJ DIST. SULTANPUR ,UP branch, the IFSC PUNB0475400 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 PUNB0475400

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the GAURIGANJ DIST. SULTANPUR ,UP 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 PUNB0475400 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 Gauriganj Dist. Sultanpur ,Up branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0475400 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 – GAURIGANJ DIST. SULTANPUR ,UP:

• The IFSC is exactly PUNB0475400 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 GAURIGANJ DIST. SULTANPUR ,UP 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.

How to reach the Gauriganj Dist. Sultanpur ,Up branch

The branch is located at SHIV MAHESH SHIKSHA SANSTHAN, which puts it inside Gauriganj ,Up, the broader Gauriganj district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Gauriganj Dist. Sultanpur ,Up branch” — the verified location pin for IFSC PUNB0475400 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 PUNB0475400 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0475400 for Punjab National Bank – GAURIGANJ DIST. SULTANPUR ,UP, 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 Gauriganj Dist. Sultanpur ,Up 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 PUNB0475400 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0475400 is the IFSC code of Punjab National Bank, GAURIGANJ DIST. SULTANPUR ,UP branch, in GAURIGANJ ,UP, UTTAR PRADESH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.