IFSC Code of Nagpur Nagarik Sahakari Bank Limited, Bhandara Branch, Maharashtra

If you are searching for the IFSC code of Nagpur Nagarik Sahakari Bank Limited, BHANDARA branch in BHANDARA, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is NGSB0000044. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the BHANDARA branch, and detailed step-by-step guides for using the IFSC NGSB0000044 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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, NGSB0000044 is the IFSC of Nagpur Nagarik Sahakari Bank Limited's BHANDARA branch. The format is fixed: NGSB = bank code, 0 = reserved, 000044 = branch identifier.

Bank profile

Nagpur Nagarik Sahakari Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Bhandara branch — IFSC NGSB0000044 — extends the bank's services to customers in and around Bhandara, Maharashtra.

Branch details at a glance

About this branch

The branch is located at 7,VIDARBHA HOUSING BOARD COLONY,TAKIYA WARD,BHANDARA. It serves the Bhandara region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Nagpur Nagarik Sahakari Bank Limited. The IFSC NGSB0000044 is used to identify this branch on the RBI payments network.

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 Nagpur Nagarik Sahakari Bank Limited's BHANDARA branch came to be assigned the code NGSB0000044.

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 NGSB0000044, money simply cannot be routed to the BHANDARA branch electronically.

Products and account variants supported

Every account opened at the Bhandara branch is mapped to IFSC NGSB0000044 on the RBI payments network. The branch generally supports the full retail product catalogue of Nagpur Nagarik Sahakari Bank Limited, 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 NGSB0000044.

Products and services

Customers walking into the Bhandara branch can access most of Nagpur Nagarik Sahakari Bank Limited'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 NGSB0000044

How to transfer money using IFSC NGSB0000044

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 NGSB0000044 across all three.

How to use IFSC NGSB0000044 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Nagpur Nagarik Sahakari Bank Limited's BHANDARA branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC NGSB0000044.
4. Confirm the bank name auto-populates as Nagpur Nagarik Sahakari Bank Limited and the branch as BHANDARA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to BHANDARA

If you need to transfer ₹2 lakh or more in one go to an account at Nagpur Nagarik Sahakari Bank Limited's BHANDARA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC NGSB0000044 while initiating the transfer and the credit will appear within minutes.

IMPS to Nagpur Nagarik Sahakari Bank Limited BHANDARA (IFSC NGSB0000044)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC NGSB0000044 in your mobile or internet banking app, and the money is credited to the BHANDARA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bhandara

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC NGSB0000044:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at BHANDARA is still linked to IFSC NGSB0000044.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

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 Nagpur Nagarik Sahakari Bank Limited's BHANDARA branch, the IFSC NGSB0000044 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 NGSB0000044

Nagpur Nagarik Sahakari Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BHANDARA 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 NGSB0000044 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 Bhandara branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC NGSB0000044 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 Nagpur Nagarik Sahakari Bank Limited – BHANDARA:

• The IFSC is exactly NGSB0000044 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Nagpur Nagarik Sahakari Bank Limited as the bank name and BHANDARA 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.

Reaching the branch

The Bhandara branch sits at 7,VIDARBHA HOUSING BOARD COLONY,TAKIYA WARD,BHANDARA. If you are travelling from outside Bhandara, search for the branch on a maps application using the bank name and locality, or call 0 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC NGSB0000044 and your account number.

Verifying IFSC NGSB0000044 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 NGSB0000044 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 0.
• 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 Bhandara branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC NGSB0000044, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code NGSB0000044 belongs to Nagpur Nagarik Sahakari Bank Limited's BHANDARA branch, located at 7,VIDARBHA HOUSING BOARD COLONY,TAKIYA WARD,BHANDARA in BHANDARA, MAHARASHTRA. 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.