Use this page as a one-stop reference for everything related to Punjab National Bank's SADRUDDIN NAGAR branch in SADRUDDIN NAGAR, UTTAR PRADESH. The branch's IFSC code PUNB0034410 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, PUNB0034410 is the IFSC of Punjab National Bank's SADRUDDIN NAGAR branch. The format is fixed: PUNB = bank code, 0 = reserved, 034410 = branch identifier.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Sadruddin Nagar |
| IFSC Code | PUNB0034410 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VPO SADRUDDIN NAGAR VIA NEHTAUR BIJNOR 246733 |
| City | Sadruddin Nagar |
| District | Bijnor |
| State | Uttar Pradesh |
| STD Code | 1344 |
| Phone | 262213 |
Bank profile
Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Sadruddin Nagar branch — IFSC PUNB0034410 — extends the bank's services to customers in and around Sadruddin Nagar, Uttar Pradesh.
Sadruddin Nagar branch overview
Located at VPO SADRUDDIN NAGAR VIA NEHTAUR BIJNOR 246733, the Sadruddin Nagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0034410 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 SADRUDDIN NAGAR of Punjab National Bank — its own 11-character IFSC. The code PUNB0034410 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 PUNB0034410 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC PUNB0034410
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 PUNB0034410 across all three.
How to use IFSC PUNB0034410 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's SADRUDDIN NAGAR 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC PUNB0034410.
- Confirm the bank name auto-populates as Punjab National Bank and the branch as SADRUDDIN NAGAR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC PUNB0034410
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 – SADRUDDIN NAGAR, ensure your bank's portal accepts IFSC PUNB0034410 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Punjab National Bank SADRUDDIN NAGAR (IFSC PUNB0034410)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0034410 in your mobile or internet banking app, and the money is credited to the SADRUDDIN NAGAR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0034410 for Punjab National Bank – SADRUDDIN NAGAR, 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 – PUNB0034410 | Yes – PUNB0034410 | Yes – PUNB0034410 |
For most retail customers crediting the Sadruddin Nagar 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 SADRUDDIN NAGAR branch, the IFSC PUNB0034410 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 Sadruddin Nagar branch is mapped to IFSC PUNB0034410 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 PUNB0034410.
Products and services
Customers walking into the Sadruddin Nagar 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 PUNB0034410
MICR & cheque-truncation details
Cheques drawn on the Sadruddin Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0034410 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC PUNB0034410
Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the SADRUDDIN NAGAR 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 PUNB0034410 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.
Common mistakes to avoid when using IFSC PUNB0034410
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 – SADRUDDIN NAGAR, 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:
PUNB0034410. - 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 Sadruddin Nagar branch
The branch is located at VPO SADRUDDIN NAGAR VIA NEHTAUR BIJNOR 246733, which puts it inside Sadruddin Nagar, the broader Bijnor district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Sadruddin Nagar branch” — the verified location pin for IFSC PUNB0034410 should appear at the top of the results.
- Confirm the branch is open by calling 1344-262213 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 PUNB0034410 and your account number.
Verifying IFSC PUNB0034410 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 PUNB0034410 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1344-262213.
- Visiting the bank's official branch locator page.
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 Sadruddin Nagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0034410, however, work 24x7.
Branch address & contact
Punjab National BankSadruddin Nagar Branch
VPO SADRUDDIN NAGAR VIA NEHTAUR BIJNOR 246733
Sadruddin Nagar, Uttar Pradesh
Phone: 1344-262213
IFSC: PUNB0034410
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 Sadruddin Nagar branch but serve different purposes.
Is IFSC PUNB0034410 valid for NEFT and RTGS?
Yes. IFSC PUNB0034410 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC PUNB0034410 the same for all accounts at Sadruddin Nagar branch?
Yes. The IFSC PUNB0034410 is shared by every account held at Punjab National Bank's Sadruddin Nagar branch. Only the account number changes from customer to customer.
What is the phone number of Punjab National Bank Sadruddin Nagar branch?
You can reach the branch at 1344-262213 during regular banking hours.
What is the IFSC code of Punjab National Bank Sadruddin Nagar branch?
The IFSC code of Punjab National Bank, Sadruddin Nagar branch is PUNB0034410. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Punjab National Bank Sadruddin Nagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0034410, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code PUNB0034410 belongs to Punjab National Bank's SADRUDDIN NAGAR branch, located at VPO SADRUDDIN NAGAR VIA NEHTAUR BIJNOR 246733 in SADRUDDIN 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.
