IFSC Code of Punjab National Bank, Reona, Distt. Kanpur Deha ,Up Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Punjab National Bank's REONA, DISTT. KANPUR DEHA ,UP branch in KANPUR, UTTAR PRADESH. The branch's IFSC code PUNB0094500 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 REONA, DISTT. KANPUR DEHA ,UP branch, the IFSC PUNB0094500 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 094500 identifies this particular branch.

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Reona, Distt. Kanpur Deha ,Up branch in Kanpur. 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, PUNB0094500.

Branch details at a glance

About this branch

The branch is located at REONA, DISTT. KANPUR DEHAT (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 PUNB0094500 is used to identify this branch on the RBI payments network.

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 REONA, DISTT. KANPUR DEHA ,UP branch came to be assigned the code PUNB0094500.

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 PUNB0094500, money simply cannot be routed to the REONA, DISTT. KANPUR DEHA ,UP branch electronically.

Products and account variants supported

Every account opened at the Reona, Distt. Kanpur Deha ,Up branch is mapped to IFSC PUNB0094500 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 PUNB0094500.

Banking services available

The Reona, Distt. Kanpur Deha ,Up branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• 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 PUNB0094500

How to transfer money using IFSC PUNB0094500

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 PUNB0094500 across all three.

How to use IFSC PUNB0094500 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's REONA, DISTT. KANPUR DEHA ,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 PUNB0094500.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as REONA, DISTT. KANPUR DEHA ,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 REONA, DISTT. KANPUR DEHA ,UP

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's REONA, DISTT. KANPUR DEHA ,UP branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0094500 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank REONA, DISTT. KANPUR DEHA ,UP (IFSC PUNB0094500)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0094500 in your mobile or internet banking app, and the money is credited to the REONA, DISTT. KANPUR DEHA ,UP branch account within seconds.

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

All three modes accept the IFSC PUNB0094500 for Punjab National Bank – REONA, DISTT. KANPUR DEHA ,UP, 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 Reona, Distt. Kanpur Deha ,Up 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.

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 REONA, DISTT. KANPUR DEHA ,UP branch, the IFSC PUNB0094500 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.

Digital banking channels

Most day-to-day work that customers used to do at the Reona, Distt. Kanpur Deha ,Up 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 PUNB0094500 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.

MICR & cheque-truncation details

Cheques drawn on the Reona, Distt. Kanpur Deha ,Up branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0094500 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 – REONA, DISTT. KANPUR DEHA ,UP:

• The IFSC is exactly PUNB0094500 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 REONA, DISTT. KANPUR DEHA ,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 Reona, Distt. Kanpur Deha ,Up branch

The branch is located at REONA, DISTT. KANPUR DEHAT (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 Reona, Distt. Kanpur Deha ,Up branch” — the verified location pin for IFSC PUNB0094500 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 PUNB0094500 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0094500 for Punjab National Bank – REONA, DISTT. KANPUR DEHA ,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.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Reona, Distt. Kanpur Deha ,Up branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0094500, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0094500 belongs to Punjab National Bank's REONA, DISTT. KANPUR DEHA ,UP branch, located at REONA, DISTT. KANPUR DEHAT (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.