IFSC Code of Punjab National Bank, Mumbai - Andheri Overseas Branch, Maharashtra

If you are searching for the IFSC code of Punjab National Bank, MUMBAI - ANDHERI OVERSEAS branch in MUMBAI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is PUNB0093710. 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 MUMBAI - ANDHERI OVERSEAS branch, and detailed step-by-step guides for using the IFSC PUNB0093710 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Punjab National Bank – MUMBAI - ANDHERI OVERSEAS is PUNB0093710. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 093710 map to this branch in MUMBAI, MAHARASHTRA.

Branch details at a glance

About the bank

Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Mumbai - Andheri Overseas branch in Mumbai, Maharashtra is part of this network and uses the IFSC code PUNB0093710 for all electronic settlement.

Mumbai - Andheri Overseas branch overview

Located at LEELA GALLERIA, 1ST FL ANDHERI KURLA ROAD 400059, the Mumbai - Andheri Overseas branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0093710 is required for all interbank electronic transfers routed through this branch.

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 MUMBAI - ANDHERI OVERSEAS of Punjab National Bank — its own 11-character IFSC. The code PUNB0093710 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 PUNB0093710 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 PUNB0093710

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 PUNB0093710 across all three.

NEFT to Punjab National Bank, MUMBAI - ANDHERI OVERSEAS using IFSC PUNB0093710

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 PUNB0093710, and confirm that the system picks up Punjab National Bank – MUMBAI - ANDHERI OVERSEAS. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PUNB0093710

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 – MUMBAI - ANDHERI OVERSEAS, ensure your bank's portal accepts IFSC PUNB0093710 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Punjab National Bank – MUMBAI - ANDHERI OVERSEAS, use IMPS. With IFSC PUNB0093710 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC PUNB0093710 for Punjab National Bank – MUMBAI - ANDHERI OVERSEAS, 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 Mumbai - Andheri Overseas 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 PUNB0093710

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 – MUMBAI - ANDHERI OVERSEAS is still mapped to IFSC PUNB0093710. 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 PUNB0093710 and the beneficiary's account number to complete the transfer.

Account types you can open at the Mumbai - Andheri Overseas branch

Once you have an account at Punjab National Bank – MUMBAI - ANDHERI OVERSEAS, the IFSC PUNB0093710 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 Mumbai - Andheri Overseas 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 PUNB0093710

MICR & cheque-truncation details

Cheques drawn on the Mumbai - Andheri Overseas branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0093710 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Mumbai - Andheri Overseas 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 PUNB0093710 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 – MUMBAI - ANDHERI OVERSEAS:

• The IFSC is exactly PUNB0093710 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 MUMBAI - ANDHERI OVERSEAS 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 Mumbai - Andheri Overseas branch

The branch is located at LEELA GALLERIA, 1ST FL ANDHERI KURLA ROAD 400059, which puts it inside Mumbai, the broader Mumbai Suburban district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Mumbai - Andheri Overseas branch” — the verified location pin for IFSC PUNB0093710 should appear at the top of the results.
2. Confirm the branch is open by calling 22-28254716 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 PUNB0093710 and your account number.

Verifying IFSC PUNB0093710 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 PUNB0093710 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-28254716.
• Visiting the bank's official branch locator page.

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 Mumbai - Andheri Overseas branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0093710, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0093710 belongs to Punjab National Bank's MUMBAI - ANDHERI OVERSEAS branch, located at LEELA GALLERIA, 1ST FL ANDHERI KURLA ROAD 400059 in MUMBAI, MAHARASHTRA. 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.