IFSC Code of Punjab National Bank, Nivada Tivaya, Distt. Saharanp Branch, Uttar Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, NIVADA TIVAYA, DISTT. SAHARANP branch in NIVADA TIVAYA ,DISTT. SAHARANPUR. The 11-digit IFSC PUNB0206400 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 NIVADA TIVAYA, DISTT. SAHARANP 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, PUNB0206400 is the IFSC of Punjab National Bank's NIVADA TIVAYA, DISTT. SAHARANP branch. The format is fixed: PUNB = bank code, 0 = reserved, 206400 = branch identifier.

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 Nivada Tivaya, Distt. Saharanp branch in Nivada Tivaya ,Distt. Saharanpur, Uttar Pradesh is part of this network and uses the IFSC code PUNB0206400 for all electronic settlement.

About this branch

The branch is located at VPO NIVADA TIVAYA, DEHRADUN ROAD,. It serves the Nivada Tivaya ,Distt. Saharanpur 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 PUNB0206400 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 NIVADA TIVAYA, DISTT. SAHARANP branch came to be assigned the code PUNB0206400.

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 PUNB0206400, money simply cannot be routed to the NIVADA TIVAYA, DISTT. SAHARANP branch electronically.

How to transfer money using IFSC PUNB0206400

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 PUNB0206400 across all three.

How to use IFSC PUNB0206400 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's NIVADA TIVAYA, DISTT. SAHARANP 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 PUNB0206400.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as NIVADA TIVAYA, DISTT. SAHARANP.
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 NIVADA TIVAYA, DISTT. SAHARANP

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's NIVADA TIVAYA, DISTT. SAHARANP branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0206400 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank NIVADA TIVAYA, DISTT. SAHARANP (IFSC PUNB0206400)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0206400 in your mobile or internet banking app, and the money is credited to the NIVADA TIVAYA, DISTT. SAHARANP branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Nivada Tivaya, Distt. Saharanp

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC PUNB0206400:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at NIVADA TIVAYA, DISTT. SAHARANP is still linked to IFSC PUNB0206400.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC PUNB0206400

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 – NIVADA TIVAYA, DISTT. SAHARANP is still mapped to IFSC PUNB0206400. 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 PUNB0206400 and the beneficiary's account number to complete the transfer.

Account types you can open at the Nivada Tivaya, Distt. Saharanp branch

Once you have an account at Punjab National Bank – NIVADA TIVAYA, DISTT. SAHARANP, the IFSC PUNB0206400 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 Nivada Tivaya, Distt. Saharanp 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 PUNB0206400

MICR & cheque-truncation details

Cheques drawn on the Nivada Tivaya, Distt. Saharanp branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0206400 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC PUNB0206400

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the NIVADA TIVAYA, DISTT. SAHARANP 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 PUNB0206400 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.

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 – NIVADA TIVAYA, DISTT. SAHARANP:

• The IFSC is exactly PUNB0206400 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 NIVADA TIVAYA, DISTT. SAHARANP 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 Nivada Tivaya, Distt. Saharanp branch sits at VPO NIVADA TIVAYA, DEHRADUN ROAD,. If you are travelling from outside Nivada Tivaya ,Distt. Saharanpur, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 PUNB0206400 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0206400 for Punjab National Bank – NIVADA TIVAYA, DISTT. SAHARANP, 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 Nivada Tivaya, Distt. Saharanp branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0206400, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0206400 is the IFSC code of Punjab National Bank, NIVADA TIVAYA, DISTT. SAHARANP branch, in NIVADA TIVAYA ,DISTT. SAHARANPUR, UTTAR PRADESH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.