IFSC Code of Punjab National Bank, Visakhapatnam-Gajuwaka Branch, Andhra Pradesh

Use this page as a one-stop reference for everything related to Punjab National Bank's VISAKHAPATNAM-GAJUWAKA branch in VISHAKAPATNAM, ANDHRA PRADESH. The branch's IFSC code PUNB0111410 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 VISAKHAPATNAM-GAJUWAKA branch, the IFSC PUNB0111410 breaks down as follows: PUNB identifies the bank, 0 is the reserved character, and 111410 identifies this particular branch.

Branch details at a glance

About Punjab National Bank

Punjab National Bank operates a wide network of branches across India, including the Visakhapatnam-Gajuwaka branch in Vishakapatnam. 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, PUNB0111410.

About this branch

The branch is located at 13/173 OLD GAJUWAKA JU GAJUWAKA 530026. It serves the Vishakapatnam 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 PUNB0111410 is used to identify this branch on the RBI payments network.

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 VISAKHAPATNAM-GAJUWAKA branch came to be assigned the code PUNB0111410.

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 PUNB0111410, money simply cannot be routed to the VISAKHAPATNAM-GAJUWAKA branch electronically.

How to transfer money using IFSC PUNB0111410

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 PUNB0111410 across all three.

How to use IFSC PUNB0111410 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Punjab National Bank's VISAKHAPATNAM-GAJUWAKA 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 PUNB0111410.
4. Confirm the bank name auto-populates as Punjab National Bank and the branch as VISAKHAPATNAM-GAJUWAKA.
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 PUNB0111410

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 – VISAKHAPATNAM-GAJUWAKA, ensure your bank's portal accepts IFSC PUNB0111410 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Punjab National Bank VISAKHAPATNAM-GAJUWAKA (IFSC PUNB0111410)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PUNB0111410 in your mobile or internet banking app, and the money is credited to the VISAKHAPATNAM-GAJUWAKA branch account within seconds.

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

All three modes accept the IFSC PUNB0111410 for Punjab National Bank – VISAKHAPATNAM-GAJUWAKA, 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 Visakhapatnam-Gajuwaka 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 PUNB0111410

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 – VISAKHAPATNAM-GAJUWAKA is still mapped to IFSC PUNB0111410. 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 PUNB0111410 and the beneficiary's account number to complete the transfer.

Account types you can open at the Visakhapatnam-Gajuwaka branch

Once you have an account at Punjab National Bank – VISAKHAPATNAM-GAJUWAKA, the IFSC PUNB0111410 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 Visakhapatnam-Gajuwaka 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 PUNB0111410

MICR & cheque-truncation details

Cheques drawn on the Visakhapatnam-Gajuwaka branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PUNB0111410 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Visakhapatnam-Gajuwaka 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 PUNB0111410 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 – VISAKHAPATNAM-GAJUWAKA:

• The IFSC is exactly PUNB0111410 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 VISAKHAPATNAM-GAJUWAKA 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 Visakhapatnam-Gajuwaka branch

The branch is located at 13/173 OLD GAJUWAKA JU GAJUWAKA 530026, which puts it inside Vishakapatnam, the broader Visakhapatnam district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Punjab National Bank Visakhapatnam-Gajuwaka branch” — the verified location pin for IFSC PUNB0111410 should appear at the top of the results.
2. Confirm the branch is open by calling 891-2767959 before stepping out, especially around public holidays.
3. 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 PUNB0111410 and your account number.

Verifying IFSC PUNB0111410 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 PUNB0111410 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 891-2767959.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Visakhapatnam-Gajuwaka 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 PUNB0111410 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUNB0111410 belongs to Punjab National Bank's VISAKHAPATNAM-GAJUWAKA branch, located at 13/173 OLD GAJUWAKA JU GAJUWAKA 530026 in VISHAKAPATNAM, ANDHRA 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.