Use this page as a one-stop reference for everything related to Punjab National Bank's PADERU branch in PADERU, ANDHRA PRADESH. The branch's IFSC code PUNB0010130 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.
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, PUNB0010130 is the IFSC of Punjab National Bank's PADERU branch. The format is fixed: PUNB = bank code, 0 = reserved, 010130 = branch identifier.
About Punjab National Bank
Punjab National Bank operates a wide network of branches across India, including the Paderu branch in Paderu. 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, PUNB0010130.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Paderu |
| IFSC Code | PUNB0010130 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PNB PADERU,TALARSINGI VILLAGE |
| City | Paderu |
| District | Paderu |
| State | Andhra Pradesh |
| STD Code | 0 |
| Phone | 0 |
Paderu branch overview
Located at PNB PADERU,TALARSINGI VILLAGE, the Paderu branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0010130 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 PADERU of Punjab National Bank — its own 11-character IFSC. The code PUNB0010130 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 PUNB0010130 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Paderu branch is mapped to IFSC PUNB0010130 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 PUNB0010130.
Banking services available
The Paderu branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 0.
- 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 PUNB0010130
How to transfer money using IFSC PUNB0010130
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 PUNB0010130 across all three.
NEFT to Punjab National Bank, PADERU using IFSC PUNB0010130
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 PUNB0010130, and confirm that the system picks up Punjab National Bank – PADERU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC PUNB0010130
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 – PADERU, ensure your bank's portal accepts IFSC PUNB0010130 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Punjab National Bank PADERU (IFSC PUNB0010130)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0010130 in your mobile or internet banking app, and the money is credited to the PADERU branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0010130 for Punjab National Bank – PADERU, 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 – PUNB0010130 | Yes – PUNB0010130 | Yes – PUNB0010130 |
For most retail customers crediting the Paderu 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 PADERU branch, the IFSC PUNB0010130 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 PUNB0010130
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the PADERU 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 PUNB0010130 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 PUNB0010130 and the account number together uniquely identify the Paderu branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC PUNB0010130
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 – PADERU, 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:
PUNB0010130. - 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.
Reaching the branch
The Paderu branch sits at PNB PADERU,TALARSINGI VILLAGE. If you are travelling from outside Paderu, search for the branch on a maps application using the bank name and locality, or call 0 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 PUNB0010130 and your account number.
Verifying IFSC PUNB0010130 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 PUNB0010130 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 0.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Paderu 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 PUNB0010130 continue to work without interruption.
Branch address & contact
Punjab National BankPaderu Branch
PNB PADERU,TALARSINGI VILLAGE
Paderu, Andhra Pradesh
Phone: 0
IFSC: PUNB0010130
Frequently asked questions
Is IFSC PUNB0010130 valid for NEFT and RTGS?
Yes. IFSC PUNB0010130 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using PUNB0010130 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Paderu reflect within 30 minutes.
How do I add Punjab National Bank Paderu as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0010130, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Punjab National Bank Paderu branch?
You can reach the branch at 0 during regular banking hours.
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 Paderu branch but serve different purposes.
Does Punjab National Bank Paderu branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 0 to confirm.
Is IFSC PUNB0010130 the same for all accounts at Paderu branch?
Yes. The IFSC PUNB0010130 is shared by every account held at Punjab National Bank's Paderu branch. Only the account number changes from customer to customer.
What is the IFSC code of Punjab National Bank Paderu branch?
The IFSC code of Punjab National Bank, Paderu branch is PUNB0010130. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code PUNB0010130 belongs to Punjab National Bank's PADERU branch, located at PNB PADERU,TALARSINGI VILLAGE in PADERU, ANDHRA 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.
