This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of Maharashtra, NAYAGARH branch in NAYAGARH. The 11-digit IFSC MAHB0002165 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Bank of Maharashtra at the NAYAGARH location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, MAHB0002165 is the IFSC of Bank of Maharashtra's NAYAGARH branch. The format is fixed: MAHB = bank code, 0 = reserved, 002165 = branch identifier.
About Bank of Maharashtra
Bank of Maharashtra operates a wide network of branches across India, including the Nayagarh branch in Nayagarh. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, MAHB0002165.
Branch details at a glance
| Bank Name | Bank of Maharashtra |
|---|---|
| Branch | Nayagarh |
| IFSC Code | MAHB0002165 |
| MICR Code | Refer to cheque leaf |
| Branch Address | COLLEGE ROADNAYAGARH |
| City | Nayagarh |
| District | Nayagarh |
| State | Odisha |
| STD Code | 91 |
| Phone | 9777922165 |
Nayagarh branch overview
Located at COLLEGE ROADNAYAGARH, the Nayagarh branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC MAHB0002165 is required for all interbank electronic transfers routed through this branch.
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Bank of Maharashtra's NAYAGARH branch came to be assigned the code MAHB0002165.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC MAHB0002165, money simply cannot be routed to the NAYAGARH branch electronically.
Products and account variants supported
Every account opened at the Nayagarh branch is mapped to IFSC MAHB0002165 on the RBI payments network. The branch generally supports the full retail product catalogue of Bank of Maharashtra, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains MAHB0002165.
Products and services
Customers walking into the Nayagarh branch can access most of Bank of Maharashtra's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC MAHB0002165
How to transfer money using IFSC MAHB0002165
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC MAHB0002165 across all three.
NEFT to Bank of Maharashtra, NAYAGARH using IFSC MAHB0002165
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC MAHB0002165, and confirm that the system picks up Bank of Maharashtra – NAYAGARH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC MAHB0002165
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Bank of Maharashtra – NAYAGARH, ensure your bank's portal accepts IFSC MAHB0002165 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Bank of Maharashtra NAYAGARH (IFSC MAHB0002165)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MAHB0002165 in your mobile or internet banking app, and the money is credited to the NAYAGARH branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC MAHB0002165 for Bank of Maharashtra – NAYAGARH, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – MAHB0002165 | Yes – MAHB0002165 | Yes – MAHB0002165 |
For most retail customers crediting the Nayagarh branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Bank of Maharashtra's NAYAGARH branch, the IFSC MAHB0002165 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Online banking and IFSC MAHB0002165
Bank of Maharashtra customers can register for net banking and the bank's official mobile app once their account at the NAYAGARH branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC MAHB0002165 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
MICR & cheque-truncation details
Cheques drawn on the Nayagarh branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC MAHB0002165 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Bank of Maharashtra – NAYAGARH:
- The IFSC is exactly MAHB0002165 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Bank of Maharashtra as the bank name and NAYAGARH as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
How to reach the Nayagarh branch
The branch is located at COLLEGE ROADNAYAGARH, which puts it inside Nayagarh, the broader Nayagarh district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Bank of Maharashtra Nayagarh branch” — the verified location pin for IFSC MAHB0002165 should appear at the top of the results.
- Confirm the branch is open by calling 91-9777922165 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC MAHB0002165 and your account number.
Verifying IFSC MAHB0002165 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm MAHB0002165 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9777922165.
- Visiting the bank's official branch locator page.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Nayagarh branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC MAHB0002165, however, work 24x7.
Branch address & contact
Bank of MaharashtraNayagarh Branch
COLLEGE ROADNAYAGARH
Nayagarh, Odisha
Phone: 91-9777922165
IFSC: MAHB0002165
Frequently asked questions
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Nayagarh branch but serve different purposes.
Can I use IFSC MAHB0002165 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC MAHB0002165 to send funds instantly.
What is the phone number of Bank of Maharashtra Nayagarh branch?
You can reach the branch at 91-9777922165 during regular banking hours.
Is IFSC MAHB0002165 valid for NEFT and RTGS?
Yes. IFSC MAHB0002165 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Bank of Maharashtra Nayagarh as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC MAHB0002165, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Bank of Maharashtra Nayagarh branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9777922165 to confirm.
How quickly will an NEFT transfer using MAHB0002165 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of Maharashtra – Nayagarh reflect within 30 minutes.
Summary
The IFSC code MAHB0002165 belongs to Bank of Maharashtra's NAYAGARH branch, located at COLLEGE ROADNAYAGARH in NAYAGARH, ODISHA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
