Below are the complete branch details for Punjab National Bank, SHERNAGAR branch, located in MUZAFFAR NAGAR, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is PUNB0719700. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case PUNB0719700 for Punjab National Bank – SHERNAGAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 SHERNAGAR branch, the IFSC PUNB0719700 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 719700 identifies this particular branch.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Shernagar |
| IFSC Code | PUNB0719700 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PNB SHERNAGAR MUZAFFARNAGAR |
| City | Muzaffar Nagar |
| District | Muzaffar Nagar |
| State | Uttar Pradesh |
About Punjab National Bank
Punjab National Bank operates a wide network of branches across India, including the Shernagar branch in Muzaffar Nagar. 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, PUNB0719700.
About this branch
The branch is located at PNB SHERNAGAR MUZAFFARNAGAR. It serves the Muzaffar Nagar 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 PUNB0719700 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 SHERNAGAR branch came to be assigned the code PUNB0719700.
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 PUNB0719700, money simply cannot be routed to the SHERNAGAR branch electronically.
How to transfer money using IFSC PUNB0719700
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 PUNB0719700 across all three.
NEFT to Punjab National Bank, SHERNAGAR using IFSC PUNB0719700
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 PUNB0719700, and confirm that the system picks up Punjab National Bank – SHERNAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to SHERNAGAR
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's SHERNAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0719700 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Punjab National Bank – SHERNAGAR, use IMPS. With IFSC PUNB0719700 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 PUNB0719700 for Punjab National Bank – SHERNAGAR, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – PUNB0719700 | Yes – PUNB0719700 | Yes – PUNB0719700 |
For most retail customers crediting the Shernagar 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 PUNB0719700
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 – SHERNAGAR is still mapped to IFSC PUNB0719700. 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 PUNB0719700 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Shernagar branch is mapped to IFSC PUNB0719700 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 PUNB0719700.
Products and services
Customers walking into the Shernagar 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 PUNB0719700
MICR & cheque-truncation details
Cheques drawn on the Shernagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0719700 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 Shernagar 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 PUNB0719700 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.
Common mistakes to avoid when using IFSC PUNB0719700
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 – SHERNAGAR, 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:
PUNB0719700. - 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 Shernagar branch
The branch is located at PNB SHERNAGAR MUZAFFARNAGAR, which puts it inside Muzaffar Nagar, the broader Muzaffar Nagar district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Shernagar branch” — the verified location pin for IFSC PUNB0719700 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number 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 PUNB0719700 and your account number.
Verifying IFSC PUNB0719700 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 PUNB0719700 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Shernagar 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 PUNB0719700 continue to work without interruption.
Branch address & contact
Punjab National BankShernagar Branch
PNB SHERNAGAR MUZAFFARNAGAR
Muzaffar Nagar, Uttar Pradesh
Phone: the branch contact number
IFSC: PUNB0719700
Frequently asked questions
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Shernagar branch but serve different purposes.
Does Punjab National Bank Shernagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Where is Punjab National Bank Shernagar branch located?
Punjab National Bank's Shernagar branch is located at PNB SHERNAGAR MUZAFFARNAGAR, Muzaffar Nagar, Uttar Pradesh.
How do I add Punjab National Bank Shernagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0719700, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using PUNB0719700 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Shernagar reflect within 30 minutes.
Is IFSC PUNB0719700 valid for NEFT and RTGS?
Yes. IFSC PUNB0719700 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code PUNB0719700 belongs to Punjab National Bank's SHERNAGAR branch, located at PNB SHERNAGAR MUZAFFARNAGAR in MUZAFFAR NAGAR, 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.
