PUNB0163710: Punjab National Bank, Adajan - Surat
IFSC code PUNB0163710 belongs to the Adajan - Surat branch of Punjab National Bank in Surat, Gujarat. Its MICR code is 395024034.
- IFSC
- PUNB0163710
- MICR
- 395024034
- Branch
- Adajan - Surat
- District
- Surat
- State
- Gujarat
- Phone
- +912612744420
Branch address
Punjab National Bank
G-1 Trinity Busis Park Near Green Arcade Adaj 395009
Open in a map · Pincode 395009: post offices and area
Payment systems
| System | On RBI's list for this branch | What it is for |
|---|---|---|
| NEFT | Yes | Transfers of any amount, settled in half-hourly batches, all day |
| RTGS | Yes | Large transfers (₹2 lakh and above), settled one by one in real time |
| IMPS | Yes | Instant transfers, any time, usually for smaller amounts |
| UPI | Yes | Payments by UPI ID or mobile number from apps |
Reading this IFSC
PUNB is Punjab National Bank's bank code, the fifth character 0 is kept for future use, and 163710 is the code of the Adajan - Surat branch. In the MICR code 395024034, 395 is the city, 024 the bank and 034 the branch.
Other Punjab National Bank branches in Surat
All 54 Punjab National Bank branches in Surat
IFSC and your loan
When you take a loan through Oxon Fintech, the lending partner (a bank or NBFC) pays the money straight into your own bank account, so the application asks for your account number and its IFSC. Check both against your passbook or cheque book: a wrong IFSC can delay the payment. Oxon never asks for your OTP, PIN, CVV or passwords.
- Personal loan and business loan — apply once, see offers from several lenders.
- EMI calculator — the monthly payment for any amount and tenure.
Data: the Reserve Bank of India's list of NEFT and RTGS bank branches, as compiled by Razorpay's open-source IFSC dataset. Bank details change from time to time (branches merge, move or close); confirm the IFSC with your bank or on your cheque book before you send money. Oxon Fintech is a loan platform, not a bank, and is not linked to the banks listed.
The IFSC of Punjab National Bank's Adajan - Surat branch (Surat, Gujarat) is PUNB0163710.
395024034. MICR is printed at the bottom of the branch's cheques.
G-1 Trinity Busis Park Near Green Arcade Adaj 395009
RBI's list shows this branch on NEFT, RTGS, IMPS and UPI. Use the IFSC PUNB0163710 with the beneficiary's account number.
Ready to get started?
Pick a loan, share a few details and see the offers you may be eligible for — no obligation.
- One application
- Paperless, AA-based
- No obligation

