This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab National Bank, THANE-POKRAN branch in THANE. The 11-digit IFSC PUNB0089310 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Punjab National Bank at the THANE-POKRAN location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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, PUNB0089310 is the IFSC of Punjab National Bank's THANE-POKRAN branch. The format is fixed: PUNB = bank code, 0 = reserved, 089310 = branch identifier.
About the bank
Punjab National Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Thane-Pokran branch in Thane, Maharashtra is part of this network and uses the IFSC code PUNB0089310 for all electronic settlement.
Thane-Pokran branch overview
Located at SIDDHYACHAL COMMERCIAL COMPLEX POKHRAN 400602, the Thane-Pokran branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PUNB0089310 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Thane-Pokran |
| IFSC Code | PUNB0089310 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SIDDHYACHAL COMMERCIAL COMPLEX POKHRAN 400602 |
| City | Thane |
| District | Thane |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 21714431 |
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Punjab National Bank's THANE-POKRAN branch came to be assigned the code PUNB0089310.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC PUNB0089310, money simply cannot be routed to the THANE-POKRAN branch electronically.
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 PUNB0089310 and the account number together uniquely identify the Thane-Pokran branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC PUNB0089310
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 PUNB0089310 across all three.
NEFT to Punjab National Bank, THANE-POKRAN using IFSC PUNB0089310
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC PUNB0089310, and confirm that the system picks up Punjab National Bank – THANE-POKRAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC PUNB0089310
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 – THANE-POKRAN, ensure your bank's portal accepts IFSC PUNB0089310 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Punjab National Bank THANE-POKRAN (IFSC PUNB0089310)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0089310 in your mobile or internet banking app, and the money is credited to the THANE-POKRAN branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Thane-Pokran
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 PUNB0089310:
- 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 THANE-POKRAN is still linked to IFSC PUNB0089310.
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 THANE-POKRAN branch, the IFSC PUNB0089310 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.
Account types you can open at the Thane-Pokran branch
Once you have an account at Punjab National Bank – THANE-POKRAN, the IFSC PUNB0089310 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.
Products and services
Customers walking into the Thane-Pokran 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 PUNB0089310
Digital banking channels
Most day-to-day work that customers used to do at the Thane-Pokran 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 PUNB0089310 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.
Reaching the branch
The Thane-Pokran branch sits at SIDDHYACHAL COMMERCIAL COMPLEX POKHRAN 400602. If you are travelling from outside Thane, search for the branch on a maps application using the bank name and locality, or call 22-21714431 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 PUNB0089310 and your account number.
Common mistakes to avoid when using IFSC PUNB0089310
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 – THANE-POKRAN, 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:
PUNB0089310. - 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.
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 Thane-Pokran branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0089310, however, work 24x7.
Verifying IFSC PUNB0089310 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 PUNB0089310 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-21714431.
- Visiting the bank's official branch locator page.
Branch address & contact
Punjab National BankThane-Pokran Branch
SIDDHYACHAL COMMERCIAL COMPLEX POKHRAN 400602
Thane, Maharashtra
Phone: 22-21714431
IFSC: PUNB0089310
Frequently asked questions
Where is Punjab National Bank Thane-Pokran branch located?
Punjab National Bank's Thane-Pokran branch is located at SIDDHYACHAL COMMERCIAL COMPLEX POKHRAN 400602, Thane, Maharashtra.
Can I use IFSC PUNB0089310 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0089310 to send funds instantly.
Is IFSC PUNB0089310 the same for all accounts at Thane-Pokran branch?
Yes. The IFSC PUNB0089310 is shared by every account held at Punjab National Bank's Thane-Pokran branch. Only the account number changes from customer to customer.
What is the IFSC code of Punjab National Bank Thane-Pokran branch?
The IFSC code of Punjab National Bank, Thane-Pokran branch is PUNB0089310. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC PUNB0089310 valid for NEFT and RTGS?
Yes. IFSC PUNB0089310 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using PUNB0089310 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Thane-Pokran reflect within 30 minutes.
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 Thane-Pokran branch but serve different purposes.
How do I add Punjab National Bank Thane-Pokran as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0089310, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: PUNB0089310 is the IFSC code of Punjab National Bank, THANE-POKRAN branch, in THANE, MAHARASHTRA. 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.
