IFSC Code of Punjab National Bank, Circle Office Surat, Surat, Gujarat — PUNB0748600

Digital banking and online financial transactions in India uses one essential element that ensures you have a seamless and accurate fund transfers, it is the IFSC Code. No matter, if you are sending money through NEFT, RTGS, or IMPS, the bank requires you to enter the correct IFSC Code so that your payment goes to the right branch. And if you are searching for the IFSC Code of Punjab National Bank for its Circle Office Surat branch in Surat, Surat, Gujarat, then this guide will give you detailed information.

The banking system has evolved significantly in India, and today the customers of Punjab National Bank located in Surat or anywhere in Gujarat can transfer funds instantly by using the correct IFSC Code PUNB0748600. You should definitely know how the IFSC Code works and how it helps you stay informed and avoid transfer errors.

Details of IFSC Code for Punjab National Bank, Circle Office Surat, Surat

The table below shows the main details of the IFSC Code PUNB0748600 for the Punjab National Bank branch in Surat, which falls under the Surat district in Gujarat.

These details help users in online banking and for businesses and individuals who use Punjab National Bank in Surat for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code PUNB0748600 for the Circle Office Surat branch of Punjab National Bank has a very important role.

What Is IFSC Code and Why Is It Important?

IFSC stands for Indian Financial System Code, an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, along with Punjab National Bank located in Circle Office Surat, Surat, Gujarat, are allotted a unique IFSC like PUNB0748600 to ensure that online payments reach the right destination.

The IFSC Code is important because:

• It clearly tells which bank branch it is in Surat.
• It helps NEFT, RTGS, and IMPS systems route the transfer securely.
• It prevents confusion between different branches of the same bank in places like Surat and Surat.
• It reduces errors in fund transfers and improves accuracy.
• It helps the sender banks to validate and confirm branch details before processing payments.

It makes sure that money sent to Punjab National Bank in Circle Office Surat reaches the right place, even though there are thousands of branches in Gujarat and across India.

Format of the IFSC Code PUNB0748600

The format of the IFSC Code for banks, including Punjab National Bank, follows an 11-character structure:

AAAA0CCCCCC

Here's the breakdown:

• First 4 characters (AAAA): Show the bank code. For Punjab National Bank, these letters represent the bank's short name.
• 5th character: Is always zero and is kept for future use.
• Last 6 characters (CCCCCC): Represent the specific branch code assigned to branches such as Circle Office Surat in Surat.

For example, the IFSC Code PUNB0748600 of Punjab National Bank for the Circle Office Surat branch includes these elements, identifying the bank and the branch location in Surat and Gujarat accurately.

How to Find IFSC Code for Punjab National Bank?

If you are trying to find the IFSC Code PUNB0748600 of Punjab National Bank for its Circle Office Surat branch located in Surat, the following methods can help:

Cheque Book

The cheque book issued by Punjab National Bank includes the IFSC Code printed on each cheque leaf which you can easily spot on the top section.

Passbook

Most banks, including Punjab National Bank branches in Surat and Surat, print the IFSC and MICR codes on the first page of your passbook.

Bank Website

Visit the official website of Punjab National Bank and navigate to the branch locator section. Search for Circle Office Surat or Surat to get the exact IFSC Code PUNB0748600.

Mobile Banking App

If you use Punjab National Bank's mobile app, you can check your account details to find your branch's IFSC code.

RBI Website

The Reserve Bank of India keeps an updated list of all IFSC codes. If you search for Punjab National Bank and Surat, you'll get the correct details.

How to Use IFSC Code PUNB0748600 for Online Transfers?

Once you have the IFSC Code PUNB0748600 for the Circle Office Surat branch of Punjab National Bank in Surat, you can initiate your fund transfers using any digital method:

NEFT

Add the beneficiary's name, account number, and IFSC Code PUNB0748600. The transfer is completed in batches. It is useful for both personal and business payments.

RTGS

Used for payments over ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.

IMPS

Instant 24×7 transfers. Requires the recipient's account details and Punjab National Bank IFSC Code PUNB0748600.

No matter which payment method you use, the IFSC Code must be correct. If you enter the wrong IFSC Code for the Punjab National Bank Circle Office Surat in Surat, your payment can get delayed or might not go through at all.

Finding the MICR Code

MICR codes are used for cheque clearance and are very different from IFSC codes. If you are looking for the MICR code of Punjab National Bank in Circle Office Surat, here are some of the ways you can get it:

• Check the bottom of your cheque leaf.
• Refer to the first page of your passbook.
• Visit the official Punjab National Bank website.
• Search the RBI portal.

Knowing both IFSC and MICR code can help account holders in Surat manage their online transfers and cheque clearances easily.