If you are searching for the IFSC code of Punjab National Bank, SFMS CENTRE branch in GURUGRAM, HARYANA, this page has every detail you need. The verified IFSC code for this branch is PUNB0955400. 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 SFMS CENTRE branch, and detailed step-by-step guides for using the IFSC PUNB0955400 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, PUNB0955400 is the IFSC of Punjab National Bank's SFMS CENTRE branch. The format is fixed: PUNB = bank code, 0 = reserved, 955400 = branch identifier.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Sfms Centre |
| IFSC Code | PUNB0955400 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PLOT NO 5 SEC 32 HR GURUG 122003 |
| City | Gurugram |
| District | Gurugram |
| State | Haryana |
| STD Code | 11 |
| Phone | 23718172 |
Bank profile
Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Sfms Centre branch — IFSC PUNB0955400 — extends the bank's services to customers in and around Gurugram, Haryana.
About the Sfms Centre branch
The Sfms Centre branch of Punjab National Bank is situated at PLOT NO 5 SEC 32 HR GURUG 122003. 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 PUNB0955400 is used.
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 SFMS CENTRE of Punjab National Bank — its own 11-character IFSC. The code PUNB0955400 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 PUNB0955400 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC PUNB0955400
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 PUNB0955400 across all three.
How to use IFSC PUNB0955400 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's SFMS CENTRE 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC PUNB0955400.
- Confirm the bank name auto-populates as Punjab National Bank and the branch as SFMS CENTRE.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC PUNB0955400
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Punjab National Bank – SFMS CENTRE, ensure your bank's portal accepts IFSC PUNB0955400 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Punjab National Bank SFMS CENTRE (IFSC PUNB0955400)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0955400 in your mobile or internet banking app, and the money is credited to the SFMS CENTRE branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Sfms Centre
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 PUNB0955400:
- 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 SFMS CENTRE is still linked to IFSC PUNB0955400.
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 PUNB0955400
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 – SFMS CENTRE is still mapped to IFSC PUNB0955400. 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 PUNB0955400 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Sfms Centre branch is mapped to IFSC PUNB0955400 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 PUNB0955400.
Products and services
Customers walking into the Sfms Centre 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 PUNB0955400
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 PUNB0955400 and the account number together uniquely identify the Sfms Centre branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC PUNB0955400
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the SFMS CENTRE 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 PUNB0955400 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 PUNB0955400
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 – SFMS CENTRE, 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:
PUNB0955400. - 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 Sfms Centre branch
The branch is located at PLOT NO 5 SEC 32 HR GURUG 122003, which puts it inside Gurugram, the broader Gurugram district, and the state of Haryana. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Sfms Centre branch” — the verified location pin for IFSC PUNB0955400 should appear at the top of the results.
- Confirm the branch is open by calling 11-23718172 before stepping out, especially around public holidays.
- 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 PUNB0955400 and your account number.
Verifying IFSC PUNB0955400 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 PUNB0955400 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 11-23718172.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Sfms Centre 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 PUNB0955400 continue to work without interruption.
Branch address & contact
Punjab National BankSfms Centre Branch
PLOT NO 5 SEC 32 HR GURUG 122003
Gurugram, Haryana
Phone: 11-23718172
IFSC: PUNB0955400
Frequently asked questions
Is IFSC PUNB0955400 valid for NEFT and RTGS?
Yes. IFSC PUNB0955400 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Punjab National Bank Sfms Centre as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0955400, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC PUNB0955400 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0955400 to send funds instantly.
Is IFSC PUNB0955400 the same for all accounts at Sfms Centre branch?
Yes. The IFSC PUNB0955400 is shared by every account held at Punjab National Bank's Sfms Centre branch. Only the account number changes from customer to customer.
What is the IFSC code of Punjab National Bank Sfms Centre branch?
The IFSC code of Punjab National Bank, Sfms Centre branch is PUNB0955400. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Punjab National Bank Sfms Centre branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 11-23718172 to confirm.
What is the phone number of Punjab National Bank Sfms Centre branch?
You can reach the branch at 11-23718172 during regular banking hours.
How quickly will an NEFT transfer using PUNB0955400 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Sfms Centre reflect within 30 minutes.
Summary
The IFSC code PUNB0955400 belongs to Punjab National Bank's SFMS CENTRE branch, located at PLOT NO 5 SEC 32 HR GURUG 122003 in GURUGRAM, HARYANA. 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.
