IFSC Code of Punjab National Bank, C.Chest Gangoh,Saharanpur Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Punjab National Bank's C.CHEST GANGOH,SAHARANPUR branch in SAHARANPUR, UTTAR PRADESH. The branch's IFSC code PUNB0997700 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Punjab National Bank's C.CHEST GANGOH,SAHARANPUR branch, the IFSC PUNB0997700 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 997700 identifies this particular branch.

Branch details at a glance

Bank profile

Punjab National Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The C.Chest Gangoh,Saharanpur branch — IFSC PUNB0997700 — extends the bank's services to customers in and around Saharanpur, Uttar Pradesh.

About the C.Chest Gangoh,Saharanpur branch

The C.Chest Gangoh,Saharanpur branch of Punjab National Bank is situated at VPO-GANGOH,RAMBAGH RD, BLOCK-NAKUR DIST-SAHARANPUR UTTAR PRADESH 247341. 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 PUNB0997700 is used.

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 C.CHEST GANGOH,SAHARANPUR of Punjab National Bank — its own 11-character IFSC. The code PUNB0997700 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 PUNB0997700 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 PUNB0997700

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 PUNB0997700 across all three.

How to use IFSC PUNB0997700 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's C.CHEST GANGOH,SAHARANPUR 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 PUNB0997700.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as C.CHEST GANGOH,SAHARANPUR.
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 C.CHEST GANGOH,SAHARANPUR

If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's C.CHEST GANGOH,SAHARANPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0997700 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Punjab National Bank – C.CHEST GANGOH,SAHARANPUR, use IMPS. With IFSC PUNB0997700 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to C.Chest Gangoh,Saharanpur

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 PUNB0997700:

• 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 C.CHEST GANGOH,SAHARANPUR is still linked to IFSC PUNB0997700.

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 PUNB0997700

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 – C.CHEST GANGOH,SAHARANPUR is still mapped to IFSC PUNB0997700. 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 PUNB0997700 and the beneficiary's account number to complete the transfer.

Account types you can open at the C.Chest Gangoh,Saharanpur branch

Once you have an account at Punjab National Bank – C.CHEST GANGOH,SAHARANPUR, the IFSC PUNB0997700 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 C.Chest Gangoh,Saharanpur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8126063286.

• 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 PUNB0997700

MICR & cheque-truncation details

Cheques drawn on the C.Chest Gangoh,Saharanpur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0997700 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC PUNB0997700

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the C.CHEST GANGOH,SAHARANPUR 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 PUNB0997700 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 – C.CHEST GANGOH,SAHARANPUR:

• The IFSC is exactly PUNB0997700 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 C.CHEST GANGOH,SAHARANPUR 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 C.Chest Gangoh,Saharanpur branch sits at VPO-GANGOH,RAMBAGH RD, BLOCK-NAKUR DIST-SAHARANPUR UTTAR PRADESH 247341. If you are travelling from outside Saharanpur, search for the branch on a maps application using the bank name and locality, or call 8126063286 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 PUNB0997700 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0997700 for Punjab National Bank – C.CHEST GANGOH,SAHARANPUR, 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.

Working hours

Branch counters at C.Chest Gangoh,Saharanpur 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 PUNB0997700 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0997700 belongs to Punjab National Bank's C.CHEST GANGOH,SAHARANPUR branch, located at VPO-GANGOH,RAMBAGH RD, BLOCK-NAKUR DIST-SAHARANPUR UTTAR PRADESH 247341 in SAHARANPUR, 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.