Use this page as a one-stop reference for everything related to Punjab National Bank's SONGADH branch in TAPI, GUJARAT. The branch's IFSC code PUNB0009730 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 SONGADH branch, the IFSC PUNB0009730 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 009730 identifies this particular branch.
About Punjab National Bank
Punjab National Bank operates a wide network of branches across India, including the Songadh branch in Tapi. 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, PUNB0009730.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Songadh |
| IFSC Code | PUNB0009730 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHOP NO 1,2,3,4, SARVODAYA NAGAR,RAILWAY STATION ROAD,PLOT NO 161718 |
| City | Tapi |
| District | Tapi |
| State | Gujarat |
| STD Code | 0 |
| Phone | 0 |
About this branch
The branch is located at SHOP NO 1,2,3,4, SARVODAYA NAGAR,RAILWAY STATION ROAD,PLOT NO 161718. It serves the Tapi 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 PUNB0009730 is used to identify this branch on the RBI payments network.
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 SONGADH of Punjab National Bank — its own 11-character IFSC. The code PUNB0009730 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 PUNB0009730 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Songadh branch is mapped to IFSC PUNB0009730 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 PUNB0009730.
Products and services
Customers walking into the Songadh 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 PUNB0009730
How to transfer money using IFSC PUNB0009730
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 PUNB0009730 across all three.
How to use IFSC PUNB0009730 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's SONGADH 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 PUNB0009730.
- Confirm the bank name auto-populates as Punjab National Bank and the branch as SONGADH.
- 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 SONGADH
If you need to transfer ₹2 lakh or more in one go to an account at Punjab National Bank's SONGADH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PUNB0009730 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 – SONGADH, use IMPS. With IFSC PUNB0009730 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PUNB0009730 for Punjab National Bank – SONGADH, 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 – PUNB0009730 | Yes – PUNB0009730 | Yes – PUNB0009730 |
For most retail customers crediting the Songadh 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 SONGADH branch, the IFSC PUNB0009730 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.
Digital banking channels
Most day-to-day work that customers used to do at the Songadh 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 PUNB0009730 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.
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 PUNB0009730 and the account number together uniquely identify the Songadh branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – SONGADH:
- The IFSC is exactly PUNB0009730 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 SONGADH 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 Songadh branch sits at SHOP NO 1,2,3,4, SARVODAYA NAGAR,RAILWAY STATION ROAD,PLOT NO 161718. If you are travelling from outside Tapi, search for the branch on a maps application using the bank name and locality, or call 0 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 PUNB0009730 and your account number.
Verifying IFSC PUNB0009730 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 PUNB0009730 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 0.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Songadh 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 PUNB0009730 continue to work without interruption.
Branch address & contact
Punjab National BankSongadh Branch
SHOP NO 1,2,3,4, SARVODAYA NAGAR,RAILWAY STATION ROAD,PLOT NO 161718
Tapi, Gujarat
Phone: 0
IFSC: PUNB0009730
Frequently asked questions
Can I use IFSC PUNB0009730 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0009730 to send funds instantly.
How quickly will an NEFT transfer using PUNB0009730 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Songadh reflect within 30 minutes.
What is the phone number of Punjab National Bank Songadh branch?
You can reach the branch at 0 during regular banking hours.
Does Punjab National Bank Songadh branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 0 to confirm.
Is IFSC PUNB0009730 the same for all accounts at Songadh branch?
Yes. The IFSC PUNB0009730 is shared by every account held at Punjab National Bank's Songadh branch. Only the account number changes from customer to customer.
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 Songadh branch but serve different purposes.
What is the IFSC code of Punjab National Bank Songadh branch?
The IFSC code of Punjab National Bank, Songadh branch is PUNB0009730. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code PUNB0009730 belongs to Punjab National Bank's SONGADH branch, located at SHOP NO 1,2,3,4, SARVODAYA NAGAR,RAILWAY STATION ROAD,PLOT NO 161718 in TAPI, GUJARAT. 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.
