IFSC Code of The Pandharpur Urban Cooperative Bank Limited Pandharpur, Branch, Maharashtra

If you are searching for the IFSC code of The Pandharpur Urban Cooperative Bank Limited Pandharpur, branch in , MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is PUCB0000003. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the branch, and detailed step-by-step guides for using the IFSC PUCB0000003 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 The Pandharpur Urban Cooperative Bank Limited Pandharpur's branch, the IFSC PUCB0000003 breaks down as follows: PUCB identifies the bank, 0 is the reserved character, and 000003 identifies this particular branch.

Branch details at a glance

About The Pandharpur Urban Cooperative Bank Limited Pandharpur

The Pandharpur Urban Cooperative Bank Limited Pandharpur operates a wide network of branches across India, including the branch in . 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, PUCB0000003.

About this branch

The branch is located at MAIN ROAD,DESHPANDE GALLI,SANGOLA,413307. It serves the region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Pandharpur Urban Cooperative Bank Limited Pandharpur. The IFSC PUCB0000003 is used to identify this branch on the RBI payments network.

Why every The Pandharpur Urban Cooperative Bank Limited Pandharpur 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 of The Pandharpur Urban Cooperative Bank Limited Pandharpur — its own 11-character IFSC. The code PUCB0000003 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 PUCB0000003 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 PUCB0000003

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 PUCB0000003 across all three.

How to use IFSC PUCB0000003 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Pandharpur Urban Cooperative Bank Limited Pandharpur's 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 PUCB0000003.
4. Confirm the bank name auto-populates as The Pandharpur Urban Cooperative Bank Limited Pandharpur and the branch as .
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 PUCB0000003

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 The Pandharpur Urban Cooperative Bank Limited Pandharpur – , ensure your bank's portal accepts IFSC PUCB0000003 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to The Pandharpur Urban Cooperative Bank Limited Pandharpur – , use IMPS. With IFSC PUCB0000003 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

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 PUCB0000003:

• 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 is still linked to IFSC PUCB0000003.

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 The Pandharpur Urban Cooperative Bank Limited Pandharpur's branch, the IFSC PUCB0000003 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 branch

Once you have an account at The Pandharpur Urban Cooperative Bank Limited Pandharpur – , the IFSC PUCB0000003 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.

Banking services available

The branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 220024.

• 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 PUCB0000003

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by The Pandharpur Urban Cooperative Bank Limited Pandharpur carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC PUCB0000003 and the account number together uniquely identify the branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC PUCB0000003

The Pandharpur Urban Cooperative Bank Limited Pandharpur customers can register for net banking and the bank's official mobile app once their account at the 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 PUCB0000003 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.

Common mistakes to avoid when using IFSC PUCB0000003

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 The Pandharpur Urban Cooperative Bank Limited Pandharpur – , 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: PUCB0000003.
• 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.

How to reach the branch

The branch is located at MAIN ROAD,DESHPANDE GALLI,SANGOLA,413307, which puts it inside , the broader district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “The Pandharpur Urban Cooperative Bank Limited Pandharpur branch” — the verified location pin for IFSC PUCB0000003 should appear at the top of the results.
2. Confirm the branch is open by calling 220024 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 PUCB0000003 and your account number.

Verifying IFSC PUCB0000003 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 PUCB0000003 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 220024.
• 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 branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUCB0000003, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PUCB0000003 belongs to The Pandharpur Urban Cooperative Bank Limited Pandharpur's branch, located at MAIN ROAD,DESHPANDE GALLI,SANGOLA,413307 in , MAHARASHTRA. 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.