Use this page as a one-stop reference for everything related to Punjab National Bank's PENJERLA branch in PENJERLA, ANDHRA PRADESH. The branch's IFSC code PUNB0785600 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, PUNB0785600 is the IFSC of Punjab National Bank's PENJERLA branch. The format is fixed: PUNB = bank code, 0 = reserved, 785600 = branch identifier.
Bank profile
Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Penjerla branch — IFSC PUNB0785600 — extends the bank's services to customers in and around Penjerla, Andhra Pradesh.
About this branch
The branch is located at H NO 5-36, PENJERLA. It serves the Penjerla 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 PUNB0785600 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Penjerla |
| IFSC Code | PUNB0785600 |
| MICR Code | Refer to cheque leaf |
| Branch Address | H NO 5-36, PENJERLA |
| City | Penjerla |
| District | Kothur Mandal Mahaboobnagar |
| State | Andhra Pradesh |
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 PENJERLA branch came to be assigned the code PUNB0785600.
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 PUNB0785600, money simply cannot be routed to the PENJERLA branch electronically.
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 PUNB0785600 and the account number together uniquely identify the Penjerla branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC PUNB0785600
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 PUNB0785600 across all three.
NEFT to Punjab National Bank, PENJERLA using IFSC PUNB0785600
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 PUNB0785600, and confirm that the system picks up Punjab National Bank – PENJERLA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC PUNB0785600
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 – PENJERLA, ensure your bank's portal accepts IFSC PUNB0785600 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Punjab National Bank PENJERLA (IFSC PUNB0785600)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0785600 in your mobile or internet banking app, and the money is credited to the PENJERLA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0785600 for Punjab National Bank – PENJERLA, 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 – PUNB0785600 | Yes – PUNB0785600 | Yes – PUNB0785600 |
For most retail customers crediting the Penjerla 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 PENJERLA branch, the IFSC PUNB0785600 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.
Products and account variants supported
Every account opened at the Penjerla branch is mapped to IFSC PUNB0785600 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 PUNB0785600.
Products and services
Customers walking into the Penjerla 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 PUNB0785600
Digital banking channels
Most day-to-day work that customers used to do at the Penjerla 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 PUNB0785600 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.
How to reach the Penjerla branch
The branch is located at H NO 5-36, PENJERLA, which puts it inside Penjerla, the broader Kothur Mandal Mahaboobnagar district, and the state of Andhra Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Penjerla branch” — the verified location pin for IFSC PUNB0785600 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 PUNB0785600 and your account number.
Common mistakes to avoid when using IFSC PUNB0785600
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 – PENJERLA, 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:
PUNB0785600. - 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.
Working hours
Branch counters at Penjerla 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 PUNB0785600 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC PUNB0785600 for Punjab National Bank – PENJERLA, 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 address & contact
Punjab National BankPenjerla Branch
H NO 5-36, PENJERLA
Penjerla, Andhra Pradesh
Phone: the branch contact number
IFSC: PUNB0785600
Frequently asked questions
How do I add Punjab National Bank Penjerla as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0785600, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Punjab National Bank Penjerla branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Is IFSC PUNB0785600 the same for all accounts at Penjerla branch?
Yes. The IFSC PUNB0785600 is shared by every account held at Punjab National Bank's Penjerla branch. Only the account number changes from customer to customer.
Is IFSC PUNB0785600 valid for NEFT and RTGS?
Yes. IFSC PUNB0785600 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Punjab National Bank Penjerla branch?
The IFSC code of Punjab National Bank, Penjerla branch is PUNB0785600. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Punjab National Bank Penjerla branch?
You can reach the branch at the branch contact number during regular banking hours.
How quickly will an NEFT transfer using PUNB0785600 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Penjerla reflect within 30 minutes.
Summary
The IFSC code PUNB0785600 belongs to Punjab National Bank's PENJERLA branch, located at H NO 5-36, PENJERLA in PENJERLA, 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.
