Nkgsb Coop Bank IFSC and MICR Code:

State wise list of Nkgsb Coop Bank IFSC code, MICR code and addresses of all branches in India

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NKGSB Co-operative Bank IFSC Code:

Until very recently, sending money to a bank account within the country had to be done by depositing a cheque or by demand draft, the first of which is time-consuming and the second relatively expensive. You would also have to wait till the bank processed both, which would generally take at least one day. However, with the introduction of online banking, many banking processes have moved online. This has extended to money transfers as well. Nowadays you can transfer money through a safe and secure method using the National Electronic Fund Transfer (NEFT) and Real Time Gross Settlement (RTGS) services. Money transferred through these services would be deposited in the beneficiary’s account in a few hours from the transfer request being made. Another advantage is the whole process is done online, reducing the risk of human error.

To avail these services, you would need to fill up the NEFT/RTGS Fund Transfer form. Available at bank branches that are a part of the NEFT network set up by the Reserve Bank of India, you are required to fill in details like the name of the beneficiary, the amount being transferred and the bank details of the beneficiary like bank name, account number and IFSC code.

The IFSC or Indian Financial Systems Code is a unique code that is assigned to all bank branches that are part of the NEFT network. It helps the RBI to monitor online transactions taking place in the country, as well as figuring out the bank branches of the two parties involved in the transaction.

The code is 11 characters long and consists of 4 letters that represent the name of the bank and 6 numbers representing the code for the particular bank branch, separated by the number “0”. The NKGSB Bank IFSC code for the Kalyan branch, located in Thane district is NKGS0000044. In the code, “NKGS” stands for the name of the bank, the fifth character is “0” which is left blank for use later and “000044” is the IFSC code for Kalyan branch.

When making a fund transfer request, the IFSC codes of the beneficiary as well as the entity making the payment have to be entered.

How to Search for NKGSB Co-operative Bank IFSC and MICR Codes?

The IFSC and MICR codes for bank branches can be found in multiple ways. If you are looking for the IFSC code for your own branch, you will find it printed on the first page of passbooks issued at the specific branch. You can also find it on all cheque leaves issued at the concerned branch.

You can also find the IFSC code for NKGSB Bank branches online on their website. If you’re looking at accessing the IFSC and MICR codes of all banks in India, then visit the BankBazaar homepage, scroll to the bottom and click on the “Bank IFSC Code” tab. Enter the name of the bank on the page that opens, and select the state, district and branch name from the drop down menus on the screen. Once you have done so, you will be presented with the codes and information on the branch, such as its address, contact details as well as timings.

The NEFT and RTGS services make sending money online a safe and quick process. Since the services are regulated by RBI, the chances of fraud are significantly reduced. The service charges are also very affordable as compared to other such services offered. Additional information on bother these services is mentioned below.

NEFT (National Electronic Fund Transfer):

NKGSB Bank’s NEFT services are available to its customers from Monday to Saturday during hours as specified by RBI. The service will not be available on the second and fourth Saturdays in the month and on bank holidays. Requests received during the NEFT service hours are processed in hourly batches. There are 11 such batches in a day, from 8:00 am to 7:00 pm. Requests received after the close of service hours and those received on holidays would be processed on the next working day.

Any amounts can be transferred using this service as there is no lower or upper limit. This makes the service convenient for customers.

There is no charge for money received through NEFT. Charges for sending money through the service are mentioned below:


Charges (for every transaction)

Up to Rs. 10,000

Rs. 2.50

Rs. 10, 001 to Rs. 1, 00, 000

Rs. 5

Rs. 1,00, 001 to Rs. 2, 00, 000

Rs. 15

Rs. 2, 00, 0001 and above

Rs. 25

RTGS (Real Time Gross Settlement):

The RTGS service is available for the fastest fund transfer in the country. Bank customers can use this service from Monday to Saturday during banking hours as specified by RBI to send money to bank accounts within the country. Funds are transferred to the beneficiary’s account within two hours of the request being made using this service, as the bank settles each request individually as soon as it is processed. Requests made after the RTGS banking hours, on second and fourth Saturdays and bank holidays will be settled on the next business day.

There is no cap on the amount that can be transferred, but each transaction has to be above Rs. 2 lakh, making RTGS the ideal mode of money transfer for large sums of money.

The bank does not levy a fee for amounts received through RTGS. The charges for sending money through this medium are given below:



Rs. 2, 00, 001 to Rs. 5, 00, 000

Rs. 25 for every transaction

Rs. 5, 00, 001 and above

Rs. 50 for every transaction

The NKGSB Co-operative Bank is a Multi-State Scheduled Bank, established in the year 1917. The bank serves its customers through 99 branches across the states of Maharashtra, Goa, Gujarat as well as Karnataka. It provides services such as deposits, demand draft facilities, fund transfer, forex and loans among many others.

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