The IFSC Code is a very important number used in India for digital banking and online money transfers that ensures seamless and accurate fund transfers. In case you are sending money through NEFT, RTGS, or IMPS, the bank requires you to enter the correct IFSC Code to route your payment to the right branch. If you are searching for the IFSC Code of Punjab National Bank for its Niyol branch in Surat, Surat, Gujarat, this complete guide will provide you with detailed information.
The banking system in India has changed over the years, and today customers of Punjab National Bank located in Surat or anywhere in Gujarat can transfer funds instantly by using the correct IFSC Code PUNB0633900. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.
Details of IFSC Code for Punjab National Bank, Niyol, Surat
Here are the key points that are associated with the IFSC Code PUNB0633900 of Punjab National Bank for its branch located in Surat, within the district of Surat in the state of Gujarat.
| Particulars | Details |
|---|---|
| Bank | Punjab National Bank |
| IFSC Code | PUNB0633900 |
| Branch | Niyol |
| City | Surat |
| District | Surat |
| State | Gujarat |
| Address | H No 459 Padar Falia Village Niyol |
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 PUNB0633900 for the Niyol 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 Niyol, Surat, Gujarat, are given a unique IFSC like PUNB0633900 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 any kind of 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 helps ensure that any money sent to Punjab National Bank in Niyol goes to the correct branch. This is important because Punjab National Bank has thousands of branches in Gujarat and all over India, and the IFSC Code prevents payments from going to the wrong place.
Format of the IFSC Code PUNB0633900
The format of the IFSC Code for banks, including Punjab National Bank, has 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 Niyol in Surat.
For example, the IFSC Code PUNB0633900 of Punjab National Bank for the Niyol branch includes these elements, identifying the bank and the branch location in Surat and Gujarat correctly.
How to Find IFSC Code for Punjab National Bank?
If you are trying to find the IFSC Code PUNB0633900 of Punjab National Bank for its Niyol branch located in Surat, the following methods can help:
Cheque Book
The cheque books that are issued by Punjab National Bank include the IFSC Code which is printed on each cheque and you can easily spot the code 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 the passbook.
Bank Website
Visit the official website of Punjab National Bank and find the branch locator section. Search for Niyol or Surat to get the exact IFSC Code PUNB0633900.
Mobile Banking App
If you use Punjab National Bank's mobile app, you can easily check your account details to find your branch's IFSC code.
RBI Website
The Reserve Bank of India maintains an updated database of all IFSC codes to help you in searching for Punjab National Bank and Surat that will provide accurate information.
How to Use IFSC Code PUNB0633900 for Online Transfers?
Once you have the IFSC Code PUNB0633900 for the Niyol branch of Punjab National Bank in Surat, you can start with your fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code PUNB0633900. Transfers are processed in batches. Suitable for personal and business payments.
RTGS
Used for payments above ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.
IMPS
Instant 24×7 transfers. You need the recipient's account details and Punjab National Bank IFSC Code PUNB0633900.
Whatever method you choose, the accuracy of the IFSC Code is highly important. If there is any mistake in entering the IFSC Code for Punjab National Bank Niyol in Surat, it can result in delayed or failed transactions.
Finding the MICR Code
MICR codes are used for cheque clearance and differ from IFSC codes. If you are looking for the MICR code of Punjab National Bank in Niyol, here are some ways that 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.
If you know both IFSC and MICR codes, then it can help account holders in Surat manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code is PUNB0633900.
Yes, but it can change if the bank merges or goes through restructuring.
No. MICR is for cheque clearing; IFSC is for online transfers.
You can find it on cheque books, passbooks, the bank's website, mobile app, or the RBI portal.
The address of the branch is H No 459 Padar Falia Village Niyol located in Surat, Surat, Gujarat.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.