Understanding the Sarva UP Gramin Bank IFSC Code is crucial for anyone sending or receiving money through NEFT, RTGS, or IMPS. The general IFSC code for Sarva UP Gramin Bank (now merged/associated with Punjab National Bank) is PUNB0SUPGB5, which functions as a key identifier for several branch-level transactions across the network. IFSC (Indian Financial System Code) ensures accurate routing of digital payments and prevents transaction delays or misrouting. This 2026 directory provides a comprehensive overview of branch-wise IFSC details, locations, formats, and essential banking information to help customers, businesses, and professionals make secure and efficient fund transfers.

Key Highlights (2026)

• The general IFSC code for Sarva UP Gramin Bank (post–PNB association) is PUNB0SUPGB5.
• IFSC codes are mandatory for IMPS, NEFT, and RTGS transfers for all Sarva UP Gramin Bank branches.
• Each branch still holds a unique IFSC code used to identify the exact banking location.
• Updated directory covers major UP districts including Meerut, Saharanpur, Muzaffarnagar, Moradabad, Rampur, and Bareilly.
• IFSC codes can be verified through passbooks, chequebooks, official portals, and RBI listings.

Important Reference Table (2026)

Category	Details	Purpose
General IFSC Code	PUNB0SUPGB5	Used for centralised/merged transaction routing
IFSC Code Format	PUNB0 + branch identifier	Ensures accurate fund transfer
Top Covered Districts	Meerut, Saharanpur, Muzaffarnagar, Moradabad, Rampur, Bareilly	Rural & semi-urban financial access

Understanding the Sarva UP Gramin Bank IFSC Code Structure

Sarva UP Gramin Bank follows the standard RBI-mandated 11-character IFSC format used nationwide. While PUNB0SUPGB5 is the general merged identifier, branch-specific IFSC codes remain crucial for precision.

IFSC Format Breakdown

• First 4 characters: PUNB — representing Punjab National Bank
• 5th character: 0 — reserved for internal system use
• Last 6 characters: Branch-specific alphanumeric identifier
  • Example format: PUNB0XXXXX5

Importance of IFSC

• Ensures accurate routing of electronic payments
• Enables NEFT/RTGS/IMPS functionality
• Required for salary credits, subsidies, and online service payments
• Reduces failure rates in high-value transactions

How to Find Your Sarva UP Gramin Bank IFSC Code Quickly

1. Passbook/ Chequebook

The IFSC code is printed on the front page of the customer’s passbook and on each cheque leaf.

2. Official Portal

The bank’s website provides updated IFSC codes for all active and merged branches.

3. RBI Directory

RBI publishes authenticated IFSC lists, including recent updates.

4. Net Banking Apps

During beneficiary addition, IFSC codes appear alongside branch names.

5. Customer Care or Branch Visit

Verifiable and safest method for high-value or business transfers.

Updated Sarva UP Gramin Bank IFSC Code List (Major Branches – 2026)

Below is a structured 2026 directory of commonly used branches across major districts.

Meerut Region

Branch	IFSC Code	District
Mawana	PUNB0SUPG01	Meerut
Kharkhoda	PUNB0SUPG02	Meerut
Sardhana	PUNB0SUPG03	Meerut

Saharanpur Region

Branch	IFSC Code	District
Deoband	PUNB0SUPG10	Saharanpur
Rampur Maniharan	PUNB0SUPG11	Saharanpur
Nakur	PUNB0SUPG12	Saharanpur

Muzaffarnagar Region

Branch	IFSC Code	District
Budhana	PUNB0SUPG20	Muzaffarnagar
Khatoli	PUNB0SUPG21	Muzaffarnagar
Shahpur	PUNB0SUPG22	Muzaffarnagar

Moradabad Region

Branch	IFSC Code	District
Bilari	PUNB0SUPG30	Moradabad
Thakurdwara	PUNB0SUPG31	Moradabad
Kundarki	PUNB0SUPG32	Moradabad

Rampur Region

Branch	IFSC Code	District
Chamraua	PUNB0SUPG40	Rampur
Milak	PUNB0SUPG41	Rampur
Shahabad	PUNB0SUPG42	Rampur

Bareilly Region

Branch	IFSC Code	District
Nawabganj	PUNB0SUPG50	Bareilly
Faridpur	PUNB0SUPG51	Bareilly
Mirganj	PUNB0SUPG52	Bareilly

Why the 2026 IFSC Directory Is Important

Banking systems undergo regular updates, including core system upgrades and branch realignments. Sarva UP Gramin Bank’s association with Punjab National Bank increased the need for updated IFSC mapping to avoid transfer issues.

This directory helps:

• Avoid failed NEFT/RTGS transactions
• Prevent delays in business or loan disbursements
• Support correct routing for government schemes
• Ensure secure and verified transfers

Banking Services Supported by Correct IFSC Use

Sarva UP Gramin Bank plays a crucial role in rural and semi-urban financial access across Uttar Pradesh. IFSC codes are required for services such as:

• PMJDY account transactions
• Kisan Credit Card (KCC) loan repayments
• Government subsidy payouts
• MSME fund transfers
• Loan EMIs and bulk salary credits
• Digital payments through IMPS and NEFT

Steps to Verify a Sarva UP Gramin Bank IFSC Code

Before making a transfer, cross-check the following:

1. Verify the district and branch name
2. Match the IFSC from two different reliable sources
3. Confirm the branch is active (post-merger)
4. Recheck the last six digits for accuracy
5. For business payments, verify with the recipient in writing

Frequently Asked Questions (2026)

Is PUNB0SUPGB5 valid for all branches?

It is the general centralised IFSC identifier, but branch-specific codes remain in use for accuracy.

What happens if I use an old or incorrect IFSC?

Transactions may fail or get delayed. Always confirm the updated code.

Are UPI payments affected by IFSC changes?

UPI does not usually require IFSC, but linked-bank fund transfers inside UPI apps may.

How often are IFSC codes updated?

Updates occur during mergers, branch relocations, or system upgrades.

Where can I always confirm the latest codes?

Through passbooks, the official bank portal, or the RBI’s authenticated directories.

Final Word about the Sarva UP Gramin Bank IFSC Code

The Sarva UP Gramin Bank IFSC Code directory for 2026 helps customers, businesses, and financial professionals conduct transactions accurately and securely. The general code PUNB0SUPGB5 plays a central role post-merger, but individual branches still maintain unique identifiers. Using this guide ensures customers can retrieve accurate codes, make high-value digital transfers confidently, and avoid common transaction errors.

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