IFSC Code of Punjab National Bank, Kharjivanpur Distt - Ghaziabad Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Punjab National Bank's KHARJIVANPUR DISTT - GHAZIABAD branch in GHAZIABAD, UTTAR PRADESH. The branch's IFSC code PUNB0198910 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 KHARJIVANPUR DISTT - GHAZIABAD branch, the IFSC PUNB0198910 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 198910 identifies this particular branch.

Branch details at a glance

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Kharjivanpur Distt - Ghaziabad branch in Ghaziabad. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, PUNB0198910.

About the Kharjivanpur Distt - Ghaziabad branch

The Kharjivanpur Distt - Ghaziabad branch of Punjab National Bank is situated at VILL-KHARJIVANPUR, KHIMAWATI, GHAZIABAD 201206. 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 PUNB0198910 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 KHARJIVANPUR DISTT - GHAZIABAD branch came to be assigned the code PUNB0198910.

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 PUNB0198910, money simply cannot be routed to the KHARJIVANPUR DISTT - GHAZIABAD branch electronically.

How to transfer money using IFSC PUNB0198910

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 PUNB0198910 across all three.

How to use IFSC PUNB0198910 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's KHARJIVANPUR DISTT - GHAZIABAD 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 PUNB0198910.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as KHARJIVANPUR DISTT - GHAZIABAD.
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 KHARJIVANPUR DISTT - GHAZIABAD

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's KHARJIVANPUR DISTT - GHAZIABAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0198910 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank KHARJIVANPUR DISTT - GHAZIABAD (IFSC PUNB0198910)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0198910 in your mobile or internet banking app, and the money is credited to the KHARJIVANPUR DISTT - GHAZIABAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kharjivanpur Distt - Ghaziabad

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 PUNB0198910:

• 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 KHARJIVANPUR DISTT - GHAZIABAD is still linked to IFSC PUNB0198910.

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 PUNB0198910

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 – KHARJIVANPUR DISTT - GHAZIABAD is still mapped to IFSC PUNB0198910. 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 PUNB0198910 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kharjivanpur Distt - Ghaziabad branch is mapped to IFSC PUNB0198910 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 PUNB0198910.

Products and services

Customers walking into the Kharjivanpur Distt - Ghaziabad 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 PUNB0198910

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Punjab National Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC PUNB0198910 and the account number together uniquely identify the Kharjivanpur Distt - Ghaziabad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC PUNB0198910

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the KHARJIVANPUR DISTT - GHAZIABAD 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 PUNB0198910 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 PUNB0198910

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 – KHARJIVANPUR DISTT - GHAZIABAD, 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: PUNB0198910.
• 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 Kharjivanpur Distt - Ghaziabad branch

The branch is located at VILL-KHARJIVANPUR, KHIMAWATI, GHAZIABAD 201206, which puts it inside Ghaziabad, the broader Ghaziabad district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Kharjivanpur Distt - Ghaziabad branch” — the verified location pin for IFSC PUNB0198910 should appear at the top of the results.
2. Confirm the branch is open by calling 1232-7838252578 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 PUNB0198910 and your account number.

Verifying IFSC PUNB0198910 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 PUNB0198910 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1232-7838252578.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kharjivanpur Distt - Ghaziabad 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 PUNB0198910 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0198910 is the IFSC code of Punjab National Bank, KHARJIVANPUR DISTT - GHAZIABAD branch, in GHAZIABAD, 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.