This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, GUDA BHAGWANDAS branch in GUDA BHAGWAN DAS. The 11-digit IFSC PUNB0043510 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Punjab National Bank at the GUDA BHAGWANDAS location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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, PUNB0043510 is the IFSC of Punjab National Bank's GUDA BHAGWANDAS branch. The format is fixed: PUNB = bank code, 0 = reserved, 043510 = branch identifier.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Guda Bhagwandas |
| IFSC Code | PUNB0043510 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VPOGUDA BHAGWANDAS DISTTNAGAUR 341001 |
| City | Guda Bhagwan Das |
| District | Nagaur |
| State | Rajasthan |
| STD Code | 1582 |
| Phone | 250008 |
About the bank
Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Guda Bhagwandas branch in Guda Bhagwan Das, Rajasthan is part of this network and uses the IFSC code PUNB0043510 for all electronic settlement.
Guda Bhagwandas branch overview
Located at VPOGUDA BHAGWANDAS DISTTNAGAUR 341001, the Guda Bhagwandas branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0043510 is required for all interbank electronic transfers routed through this branch.
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 GUDA BHAGWANDAS branch came to be assigned the code PUNB0043510.
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 PUNB0043510, money simply cannot be routed to the GUDA BHAGWANDAS branch electronically.
How to transfer money using IFSC PUNB0043510
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 PUNB0043510 across all three.
NEFT to Punjab National Bank, GUDA BHAGWANDAS using IFSC PUNB0043510
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 PUNB0043510, and confirm that the system picks up Punjab National Bank – GUDA BHAGWANDAS. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to GUDA BHAGWANDAS
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's GUDA BHAGWANDAS branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0043510 while initiating the transfer and the credit will appear within minutes.
IMPS to Punjab National Bank GUDA BHAGWANDAS (IFSC PUNB0043510)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0043510 in your mobile or internet banking app, and the money is credited to the GUDA BHAGWANDAS branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0043510 for Punjab National Bank – GUDA BHAGWANDAS, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – PUNB0043510 | Yes – PUNB0043510 | Yes – PUNB0043510 |
For most retail customers crediting the Guda Bhagwandas 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.
UPI payments and IFSC PUNB0043510
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 – GUDA BHAGWANDAS is still mapped to IFSC PUNB0043510. 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 PUNB0043510 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Guda Bhagwandas branch is mapped to IFSC PUNB0043510 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 PUNB0043510.
Banking services available
The Guda Bhagwandas branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1582-250008.
- 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 PUNB0043510
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 PUNB0043510 and the account number together uniquely identify the Guda Bhagwandas branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Guda Bhagwandas 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 PUNB0043510 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 – GUDA BHAGWANDAS:
- The IFSC is exactly PUNB0043510 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 GUDA BHAGWANDAS 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 Guda Bhagwandas branch sits at VPOGUDA BHAGWANDAS DISTTNAGAUR 341001. If you are travelling from outside Guda Bhagwan Das, search for the branch on a maps application using the bank name and locality, or call 1582-250008 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 PUNB0043510 and your account number.
Verifying IFSC PUNB0043510 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 PUNB0043510 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1582-250008.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Guda Bhagwandas 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 PUNB0043510 continue to work without interruption.
Branch address & contact
Punjab National BankGuda Bhagwandas Branch
VPOGUDA BHAGWANDAS DISTTNAGAUR 341001
Guda Bhagwan Das, Rajasthan
Phone: 1582-250008
IFSC: PUNB0043510
Frequently asked questions
Can I use IFSC PUNB0043510 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0043510 to send funds instantly.
Does Punjab National Bank Guda Bhagwandas branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1582-250008 to confirm.
Is IFSC PUNB0043510 the same for all accounts at Guda Bhagwandas branch?
Yes. The IFSC PUNB0043510 is shared by every account held at Punjab National Bank's Guda Bhagwandas branch. Only the account number changes from customer to customer.
What is the phone number of Punjab National Bank Guda Bhagwandas branch?
You can reach the branch at 1582-250008 during regular banking hours.
Is IFSC PUNB0043510 valid for NEFT and RTGS?
Yes. IFSC PUNB0043510 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using PUNB0043510 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Guda Bhagwandas reflect within 30 minutes.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Guda Bhagwandas branch but serve different purposes.
How do I add Punjab National Bank Guda Bhagwandas as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0043510, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code PUNB0043510 belongs to Punjab National Bank's GUDA BHAGWANDAS branch, located at VPOGUDA BHAGWANDAS DISTTNAGAUR 341001 in GUDA BHAGWAN DAS, RAJASTHAN. 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.
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