Punjab National Bank Utran IFSC Code — PUNB0895800
Surat, Gujarat • PIN 394105
IFSC
PUNB0895800
MICR
395024020
Branch code
895800
PIN
394105
The IFSC code for Punjab National Bank, Utran branch in Surat, Gujarat is PUNB0895800. Use this code as the beneficiary IFSC when sending money to any account held at this branch via NEFT, RTGS, IMPS, or NACH. The MICR code 395024020 is used for cheque clearing and NACH mandate setup. The branch is located at PNB 1ST FLOOR SHOP NO 101-106 ROYAL SQUARE VIP CIRCLE GUJARAT SURAT.
Transfer rails supported at this branch
| Rail | Settlement | Limit | Use IFSC? |
|---|---|---|---|
| NEFT | 30-min batches, 24×7 | None | PUNB0895800 |
| RTGS | Real-time | ≥ ₹2 lakh | PUNB0895800 |
| IMPS | Instant, 24×7 | ₹5 lakh/txn | PUNB0895800 |
| NACH | 2-3 business days | Mandate-based | PUNB0895800 + MICR |
| UPI | Instant | ₹1 lakh/day | Not needed (handle-based) |
Next steps
- Understand hidden NEFT / IMPS / RTGS fees → Hidden ATM, IMPS, NEFT & RTGS bank fees exposed
- UPI vs IMPS — which is faster and cheaper? → UPI transaction limits 2026 (every category exception)
- Opening a new account? → Best savings account interest rates — SFB vs big banks
- Worried your deposit is safe? → DICGC deposit insurance — is your money safe?
- More Punjab National Bank branches → All Punjab National Bank IFSC codes
More Punjab National Bank branches
- Vanasthalipuram, Hyderabad, Hyderabad — PUNB0993000
- Mokameh, Patna — PUNB0032500
- Barh, Patna — PUNB0056900
- Bikram, Patna — PUNB0059300
- Giriak, Patna — PUNB0067700
Frequently asked questions
What is the IFSC code for Punjab National Bank, Utran?
The IFSC code for Punjab National Bank, Utran branch in Surat, Gujarat is PUNB0895800. Use this 11-character code for NEFT, RTGS, and IMPS transfers to any account at this branch.
What is the MICR code for this branch?
The MICR code for Punjab National Bank, Utran is 395024020. MICR codes are printed on the bottom of cheque leaves and are required for NACH auto-debit mandate setup.
Is this branch on NEFT, RTGS, IMPS, and UPI?
Yes. Punjab National Bank supports NEFT, RTGS, and IMPS at all branches including Utran. UPI works at the customer level (linked to your account), not the branch level.
Where is Punjab National Bank, Utran located?
Punjab National Bank, Utran is located at: PNB 1ST FLOOR SHOP NO 101-106 ROYAL SQUARE VIP CIRCLE GUJARAT SURAT. PIN code: 394105.
How do I transfer money to Punjab National Bank, Utran?
Open your bank's net banking or UPI app, choose NEFT/RTGS/IMPS as the transfer mode, enter the beneficiary account number, the IFSC code PUNB0895800, and the recipient's name as on bank records. Funds typically settle within 30 minutes for NEFT/IMPS and instantly for RTGS (above ₹2 lakh).
What is the difference between NEFT, RTGS, and IMPS?
NEFT settles in 30-minute batches 24×7. RTGS is real-time but only for transfers ≥ ₹2 lakh. IMPS is instant, 24×7, with per-transaction limits varying by bank (typically ₹5 lakh). All three need the same IFSC code: PUNB0895800.
Can I receive international wire transfers at this branch?
Only if the branch is also SWIFT-enabled. Punjab National Bank has a separate SWIFT code (BIC) used by its international correspondent banks. Confirm whether Utran accepts inbound USD/EUR/GBP wires before sharing the IFSC with an overseas sender.
How do I set up a NACH auto-debit mandate using this IFSC?
Provide the IFSC PUNB0895800, MICR 395024020, your account number, and a cancelled cheque image to the requesting party (SIP, EMI, insurance, or SaaS subscription). The mandate clears in 2-3 business days after submission.
Is the IFSC code the same as the branch code?
No. The last 6 characters of an IFSC (here: 895800) are the branch identifier within the bank, but the IFSC itself is the only code banks use for inter-bank transfers. The first 4 characters (PUNB) identify Punjab National Bank.
What if the IFSC code on this page is wrong?
This data is sourced from the RBI public IFSC dataset, refreshed monthly. If you spot an error, report it via the feedback link in the site footer — we cross-check against the bank's net banking portal and update within 48 hours.
Source: RBI public IFSC dataset, last refreshed 2026-06-08. Always cross-check the IFSC on your bank's net banking portal or passbook before high-value transfers. HonestMoney.in is not affiliated with Punjab National Bank or the Reserve Bank of India.