IFSC Code of Punjab National Bank, Surat Vip Road Vesu Branch, Gujarat

Use this page as a one-stop reference for everything related to Punjab National Bank's SURAT VIP ROAD VESU branch in SURAT, GUJARAT. The branch's IFSC code PUNB0598600 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.

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 – SURAT VIP ROAD VESU is PUNB0598600. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 598600 map to this branch in SURAT, GUJARAT.

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 Surat Vip Road Vesu branch — IFSC PUNB0598600 — extends the bank's services to customers in and around Surat, Gujarat.

About the Surat Vip Road Vesu branch

The Surat Vip Road Vesu branch of Punjab National Bank is situated at PNB GF G1 TO G7 VIP PLAZA BESIDE SHYAMBABA TEMPLE OPP MANIBHARI VIP RO GJ SURAT 395007. 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 PUNB0598600 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 SURAT VIP ROAD VESU of Punjab National Bank — its own 11-character IFSC. The code PUNB0598600 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 PUNB0598600 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 PUNB0598600

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 PUNB0598600 across all three.

How to use IFSC PUNB0598600 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's SURAT VIP ROAD VESU 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 PUNB0598600.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as SURAT VIP ROAD VESU.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC PUNB0598600

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 – SURAT VIP ROAD VESU, ensure your bank's portal accepts IFSC PUNB0598600 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank SURAT VIP ROAD VESU (IFSC PUNB0598600)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0598600 in your mobile or internet banking app, and the money is credited to the SURAT VIP ROAD VESU branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC PUNB0598600 for Punjab National Bank – SURAT VIP ROAD VESU, 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.

For most retail customers crediting the Surat Vip Road Vesu 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.

UPI payments and IFSC PUNB0598600

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 – SURAT VIP ROAD VESU is still mapped to IFSC PUNB0598600. 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 PUNB0598600 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Surat Vip Road Vesu branch is mapped to IFSC PUNB0598600 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 PUNB0598600.

Products and services

Customers walking into the Surat Vip Road Vesu 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 PUNB0598600

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 PUNB0598600 and the account number together uniquely identify the Surat Vip Road Vesu branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC PUNB0598600

Punjab National Bank customers can register for net banking and the bank's official mobile app once their account at the SURAT VIP ROAD VESU 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 PUNB0598600 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 – SURAT VIP ROAD VESU:

• The IFSC is exactly PUNB0598600 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 SURAT VIP ROAD VESU 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 Surat Vip Road Vesu branch sits at PNB GF G1 TO G7 VIP PLAZA BESIDE SHYAMBABA TEMPLE OPP MANIBHARI VIP RO GJ SURAT 395007. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 982583532 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 PUNB0598600 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUNB0598600 for Punjab National Bank – SURAT VIP ROAD VESU, 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 Surat Vip Road Vesu 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 PUNB0598600 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUNB0598600 is the IFSC code of Punjab National Bank, SURAT VIP ROAD VESU branch, in SURAT, GUJARAT. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.