IFSC Code of Punjab National Bank, Rameshwaram-East Godavari Branch, Andhra Pradesh

If you are searching for the IFSC code of Punjab National Bank, RAMESHWARAM-EAST GODAVARI branch in RAMESHWARAM-EAST GODAVARI DISTRICT, ANDHRA PRADESH, this page has every detail you need. The verified IFSC code for this branch is PUNB0202910. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the RAMESHWARAM-EAST GODAVARI branch, and detailed step-by-step guides for using the IFSC PUNB0202910 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 – RAMESHWARAM-EAST GODAVARI is PUNB0202910. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 202910 map to this branch in RAMESHWARAM-EAST GODAVARI DISTRICT, ANDHRA PRADESH.

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Rameshwaram-East Godavari branch in Rameshwaram-East Godavari District. 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, PUNB0202910.

About the Rameshwaram-East Godavari branch

The Rameshwaram-East Godavari branch of Punjab National Bank is situated at 3-166, 3-161, ADJ. OLD PEDDAPUDI MANDAL 533006. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code PUNB0202910 is used.

Branch details at a glance

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 RAMESHWARAM-EAST GODAVARI of Punjab National Bank — its own 11-character IFSC. The code PUNB0202910 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 PUNB0202910 the same way you would treat your account number — verify it once and save it carefully for future use.

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 PUNB0202910 and the account number together uniquely identify the Rameshwaram-East Godavari branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC PUNB0202910

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 PUNB0202910 across all three.

How to use IFSC PUNB0202910 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's RAMESHWARAM-EAST GODAVARI 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 PUNB0202910.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as RAMESHWARAM-EAST GODAVARI.
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 RAMESHWARAM-EAST GODAVARI

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's RAMESHWARAM-EAST GODAVARI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0202910 while initiating the transfer and the credit will appear within minutes.

IMPS to Punjab National Bank RAMESHWARAM-EAST GODAVARI (IFSC PUNB0202910)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0202910 in your mobile or internet banking app, and the money is credited to the RAMESHWARAM-EAST GODAVARI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Rameshwaram-East Godavari

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 PUNB0202910:

• 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 RAMESHWARAM-EAST GODAVARI is still linked to IFSC PUNB0202910.

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.

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 RAMESHWARAM-EAST GODAVARI branch, the IFSC PUNB0202910 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 Rameshwaram-East Godavari branch is mapped to IFSC PUNB0202910 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 PUNB0202910.

Banking services available

The Rameshwaram-East Godavari branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 884-2366622.

• 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 PUNB0202910

Online banking and IFSC PUNB0202910

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the RAMESHWARAM-EAST GODAVARI 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 PUNB0202910 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.

Reaching the branch

The Rameshwaram-East Godavari branch sits at 3-166, 3-161, ADJ. OLD PEDDAPUDI MANDAL 533006. If you are travelling from outside Rameshwaram-East Godavari District, search for the branch on a maps application using the bank name and locality, or call 884-2366622 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 PUNB0202910 and your account number.

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 – RAMESHWARAM-EAST GODAVARI:

• The IFSC is exactly PUNB0202910 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 RAMESHWARAM-EAST GODAVARI 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.

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 Rameshwaram-East Godavari branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0202910, however, work 24x7.

Verifying IFSC PUNB0202910 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 PUNB0202910 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 884-2366622.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0202910 belongs to Punjab National Bank's RAMESHWARAM-EAST GODAVARI branch, located at 3-166, 3-161, ADJ. OLD PEDDAPUDI MANDAL 533006 in RAMESHWARAM-EAST GODAVARI DISTRICT, 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.