IFSC Code of FINO Payments Bank, Naini Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to FINO Payments Bank's NAINI branch in NAINI, UTTAR PRADESH. The branch's IFSC code FINO0001588 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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, FINO0001588 is the IFSC of FINO Payments Bank's NAINI branch. The format is fixed: FINO = bank code, 0 = reserved, 001588 = branch identifier.

Bank profile

FINO Payments Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Naini branch — IFSC FINO0001588 — extends the bank's services to customers in and around Naini, Uttar Pradesh.

About the Naini branch

The Naini branch of FINO Payments Bank is situated at H N - 22 1 C,CHAK RAGHUNATH COTAN -MILL TIRAHA NAINI,PRAYAGRAJ,PINCODE 211008. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code FINO0001588 is used.

Branch details at a glance

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 FINO Payments Bank's NAINI branch came to be assigned the code FINO0001588.

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 FINO0001588, money simply cannot be routed to the NAINI branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by FINO Payments Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC FINO0001588 and the account number together uniquely identify the Naini branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC FINO0001588

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 FINO0001588 across all three.

NEFT to FINO Payments Bank, NAINI using IFSC FINO0001588

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 FINO0001588, and confirm that the system picks up FINO Payments Bank – NAINI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to NAINI

If you need to transfer ₹2 lakh or more in one go to an account at FINO Payments Bank's NAINI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FINO0001588 while initiating the transfer and the credit will appear within minutes.

IMPS to FINO Payments Bank NAINI (IFSC FINO0001588)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC FINO0001588 in your mobile or internet banking app, and the money is credited to the NAINI branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC FINO0001588 for FINO Payments Bank – NAINI, 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.

For most retail customers crediting the Naini 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.

UPI payments and IFSC FINO0001588

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at FINO Payments Bank – NAINI is still mapped to IFSC FINO0001588. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC FINO0001588 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Naini branch is mapped to IFSC FINO0001588 on the RBI payments network. The branch generally supports the full retail product catalogue of FINO Payments Bank, 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 FINO0001588.

Banking services available

The Naini branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8382887149.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC FINO0001588

Digital banking channels

Most day-to-day work that customers used to do at the Naini branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC FINO0001588 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

How to reach the Naini branch

The branch is located at H N - 22 1 C,CHAK RAGHUNATH COTAN -MILL TIRAHA NAINI,PRAYAGRAJ,PINCODE 211008, which puts it inside Naini, the broader Allahabad district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “FINO Payments Bank Naini branch” — the verified location pin for IFSC FINO0001588 should appear at the top of the results.
2. Confirm the branch is open by calling 8382887149 before stepping out, especially around public holidays.
3. 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 FINO0001588 and your account number.

Common mistakes to avoid when using IFSC FINO0001588

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to FINO Payments Bank – NAINI, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: FINO0001588.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

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 Naini branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC FINO0001588, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC FINO0001588 for FINO Payments Bank – NAINI, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Summary

The IFSC code FINO0001588 belongs to FINO Payments Bank's NAINI branch, located at H N - 22 1 C,CHAK RAGHUNATH COTAN -MILL TIRAHA NAINI,PRAYAGRAJ,PINCODE 211008 in NAINI, UTTAR PRADESH. 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.