IFSC Code of Punjab National Bank, Kanpur Swaroop Nagar, Distt. K Branch, Uttar Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, KANPUR SWAROOP NAGAR, DISTT. K branch in KANPUR. The 11-digit IFSC PUNB0072700 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 KANPUR SWAROOP NAGAR, DISTT. K 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, PUNB0072700 is the IFSC of Punjab National Bank's KANPUR SWAROOP NAGAR, DISTT. K branch. The format is fixed: PUNB = bank code, 0 = reserved, 072700 = branch identifier.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kanpur Swaroop Nagar, Distt. K branch — IFSC PUNB0072700 — extends the bank's services to customers in and around Kanpur, Uttar Pradesh.

About this branch

The branch is located at SWAROOP NAGAR, KANPUR (UP). It serves the Kanpur 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 PUNB0072700 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 KANPUR SWAROOP NAGAR, DISTT. K branch came to be assigned the code PUNB0072700.

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 PUNB0072700, money simply cannot be routed to the KANPUR SWAROOP NAGAR, DISTT. K branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Kanpur Swaroop Nagar, Distt. K branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0072700 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC PUNB0072700

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 PUNB0072700 across all three.

NEFT to Punjab National Bank, KANPUR SWAROOP NAGAR, DISTT. K using IFSC PUNB0072700

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 PUNB0072700, and confirm that the system picks up Punjab National Bank – KANPUR SWAROOP NAGAR, DISTT. K. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KANPUR SWAROOP NAGAR, DISTT. K

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's KANPUR SWAROOP NAGAR, DISTT. K branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0072700 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank KANPUR SWAROOP NAGAR, DISTT. K (IFSC PUNB0072700)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0072700 in your mobile or internet banking app, and the money is credited to the KANPUR SWAROOP NAGAR, DISTT. K branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC PUNB0072700 for Punjab National Bank – KANPUR SWAROOP NAGAR, DISTT. K, 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.

For most retail customers crediting the Kanpur Swaroop Nagar, Distt. K 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 PUNB0072700

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 – KANPUR SWAROOP NAGAR, DISTT. K is still mapped to IFSC PUNB0072700. 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 PUNB0072700 and the beneficiary's account number to complete the transfer.

Account types you can open at the Kanpur Swaroop Nagar, Distt. K branch

Once you have an account at Punjab National Bank – KANPUR SWAROOP NAGAR, DISTT. K, the IFSC PUNB0072700 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 Kanpur Swaroop Nagar, Distt. K 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 PUNB0072700

Digital banking channels

Most day-to-day work that customers used to do at the Kanpur Swaroop Nagar, Distt. K 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 PUNB0072700 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.

How to reach the Kanpur Swaroop Nagar, Distt. K branch

The branch is located at SWAROOP NAGAR, KANPUR (UP), which puts it inside Kanpur, the broader Kanpur district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Kanpur Swaroop Nagar, Distt. K branch” — the verified location pin for IFSC PUNB0072700 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 PUNB0072700 and your account number.

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 – KANPUR SWAROOP NAGAR, DISTT. K:

• The IFSC is exactly PUNB0072700 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 KANPUR SWAROOP NAGAR, DISTT. K 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.

Working hours

Branch counters at Kanpur Swaroop Nagar, Distt. K 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 PUNB0072700 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0072700 for Punjab National Bank – KANPUR SWAROOP NAGAR, DISTT. K, 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0072700 belongs to Punjab National Bank's KANPUR SWAROOP NAGAR, DISTT. K branch, located at SWAROOP NAGAR, KANPUR (UP) in KANPUR, UTTAR 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.