IFSC Code of Punjab National Bank, Mumbaikharw Branch, Maharashtra

Use this page as a one-stop reference for everything related to Punjab National Bank's MUMBAIKHARW branch in MUMBAI, MAHARASHTRA. The branch's IFSC code PUNB0095810 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.

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 – MUMBAIKHARW is PUNB0095810. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 095810 map to this branch in MUMBAI, MAHARASHTRA.

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Mumbaikharw branch — IFSC PUNB0095810 — extends the bank's services to customers in and around Mumbai, Maharashtra.

Branch details at a glance

Mumbaikharw branch overview

Located at PLOT 56 OPP MUNICIPAL MARKET KHAR WEST 400052, the Mumbaikharw branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0095810 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 MUMBAIKHARW branch came to be assigned the code PUNB0095810.

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 PUNB0095810, money simply cannot be routed to the MUMBAIKHARW branch electronically.

Account types you can open at the Mumbaikharw branch

Once you have an account at Punjab National Bank – MUMBAIKHARW, the IFSC PUNB0095810 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.

Banking services available

The Mumbaikharw branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-26481190.

• 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 PUNB0095810

How to transfer money using IFSC PUNB0095810

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 PUNB0095810 across all three.

NEFT to Punjab National Bank, MUMBAIKHARW using IFSC PUNB0095810

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 PUNB0095810, and confirm that the system picks up Punjab National Bank – MUMBAIKHARW. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MUMBAIKHARW

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's MUMBAIKHARW branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0095810 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank MUMBAIKHARW (IFSC PUNB0095810)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0095810 in your mobile or internet banking app, and the money is credited to the MUMBAIKHARW branch account within seconds.

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

All three modes accept the IFSC PUNB0095810 for Punjab National Bank – MUMBAIKHARW, 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 Mumbaikharw 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 MUMBAIKHARW branch, the IFSC PUNB0095810 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.

Online banking and IFSC PUNB0095810

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the MUMBAIKHARW 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 PUNB0095810 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.

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 PUNB0095810 and the account number together uniquely identify the Mumbaikharw branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – MUMBAIKHARW:

• The IFSC is exactly PUNB0095810 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 MUMBAIKHARW 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 Mumbaikharw branch sits at PLOT 56 OPP MUNICIPAL MARKET KHAR WEST 400052. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-26481190 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 PUNB0095810 and your account number.

Verifying IFSC PUNB0095810 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 PUNB0095810 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-26481190.
• 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 Mumbaikharw branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0095810, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0095810 belongs to Punjab National Bank's MUMBAIKHARW branch, located at PLOT 56 OPP MUNICIPAL MARKET KHAR WEST 400052 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.