Use this page as a one-stop reference for everything related to Punjab National Bank's UMBERGAON branch in VALSA, GUJARAT. The branch's IFSC code PUNB0013130 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 – UMBERGAON is PUNB0013130. The first four letters PUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 013130 map to this branch in VALSA, GUJARAT.
Branch details at a glance
| Bank Name | Punjab National Bank |
|---|---|
| Branch | Umbergaon |
| IFSC Code | PUNB0013130 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 1 2 3 4 5 & 6 TURNING POINTSTATION ROAD VALSAD UMBERGAON |
| City | Valsa |
| District | Valsa |
| State | Gujarat |
| STD Code | 11 |
| Phone | 23718172 |
About Punjab National Bank
Punjab National Bank operates a wide network of branches across India, including the Umbergaon branch in Valsa. 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, PUNB0013130.
About the Umbergaon branch
The Umbergaon branch of Punjab National Bank is situated at 1 2 3 4 5 & 6 TURNING POINTSTATION ROAD VALSAD UMBERGAON. 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 PUNB0013130 is used.
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 UMBERGAON branch came to be assigned the code PUNB0013130.
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 PUNB0013130, money simply cannot be routed to the UMBERGAON branch electronically.
How to transfer money using IFSC PUNB0013130
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 PUNB0013130 across all three.
How to use IFSC PUNB0013130 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's UMBERGAON 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 PUNB0013130.
- Confirm the bank name auto-populates as Punjab National Bank and the branch as UMBERGAON.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC PUNB0013130
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 – UMBERGAON, ensure your bank's portal accepts IFSC PUNB0013130 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Punjab National Bank – UMBERGAON, use IMPS. With IFSC PUNB0013130 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 Umbergaon
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 PUNB0013130:
- 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 UMBERGAON is still linked to IFSC PUNB0013130.
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 UMBERGAON branch, the IFSC PUNB0013130 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 Umbergaon branch is mapped to IFSC PUNB0013130 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 PUNB0013130.
Banking services available
The Umbergaon branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 11-23718172.
- 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 PUNB0013130
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 PUNB0013130 and the account number together uniquely identify the Umbergaon branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Umbergaon 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 PUNB0013130 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.
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 – UMBERGAON:
- The IFSC is exactly PUNB0013130 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 UMBERGAON 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.
How to reach the Umbergaon branch
The branch is located at 1 2 3 4 5 & 6 TURNING POINTSTATION ROAD VALSAD UMBERGAON, which puts it inside Valsa, the broader Valsa district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “Punjab National Bank Umbergaon branch” — the verified location pin for IFSC PUNB0013130 should appear at the top of the results.
- Confirm the branch is open by calling 11-23718172 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 PUNB0013130 and your account number.
Verifying IFSC PUNB0013130 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 PUNB0013130 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 11-23718172.
- 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 Umbergaon branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUNB0013130, however, work 24x7.
Branch address & contact
Punjab National BankUmbergaon Branch
1 2 3 4 5 & 6 TURNING POINTSTATION ROAD VALSAD UMBERGAON
Valsa, Gujarat
Phone: 11-23718172
IFSC: PUNB0013130
Frequently asked questions
Can I use IFSC PUNB0013130 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PUNB0013130 to send funds instantly.
Is IFSC PUNB0013130 valid for NEFT and RTGS?
Yes. IFSC PUNB0013130 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Umbergaon branch but serve different purposes.
Where is Punjab National Bank Umbergaon branch located?
Punjab National Bank's Umbergaon branch is located at 1 2 3 4 5 & 6 TURNING POINTSTATION ROAD VALSAD UMBERGAON, Valsa, Gujarat.
Is IFSC PUNB0013130 the same for all accounts at Umbergaon branch?
Yes. The IFSC PUNB0013130 is shared by every account held at Punjab National Bank's Umbergaon branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using PUNB0013130 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab National Bank – Umbergaon reflect within 30 minutes.
How do I add Punjab National Bank Umbergaon as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PUNB0013130, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code PUNB0013130 belongs to Punjab National Bank's UMBERGAON branch, located at 1 2 3 4 5 & 6 TURNING POINTSTATION ROAD VALSAD UMBERGAON in VALSA, 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.
