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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Nagpur Nagarik Sahakari Bank Limited, KHAMLA branch in NAGPUR. The 11-digit IFSC NGSB0000042 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 Nagpur Nagarik Sahakari Bank Limited at the KHAMLA 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Nagpur Nagarik Sahakari Bank Limited's KHAMLA branch, the IFSC NGSB0000042 breaks down as follows: NGSB identifies the bank, 0 is the reserved character, and 000042 identifies this particular branch.

About the bank

Nagpur Nagarik Sahakari Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Khamla branch in Nagpur, Maharashtra is part of this network and uses the IFSC code NGSB0000042 for all electronic settlement.

Branch details at a glance

Khamla branch overview

Located at 43,SHASTRI LAYOUT,OPP SOMALWAR HIGH SCHOOL, PRATAP NAGAR,NAGPUR, the Khamla branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC NGSB0000042 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 Nagpur Nagarik Sahakari Bank Limited's KHAMLA branch came to be assigned the code NGSB0000042.

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 NGSB0000042, money simply cannot be routed to the KHAMLA branch electronically.

Account types you can open at the Khamla branch

Once you have an account at Nagpur Nagarik Sahakari Bank Limited – KHAMLA, the IFSC NGSB0000042 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Khamla branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 0.

• 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 NGSB0000042

How to transfer money using IFSC NGSB0000042

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 NGSB0000042 across all three.

NEFT to Nagpur Nagarik Sahakari Bank Limited, KHAMLA using IFSC NGSB0000042

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 NGSB0000042, and confirm that the system picks up Nagpur Nagarik Sahakari Bank Limited – KHAMLA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KHAMLA

If you need to transfer ₹2 lakh or more in one go to an account at Nagpur Nagarik Sahakari Bank Limited's KHAMLA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC NGSB0000042 while initiating the transfer and the credit will appear within minutes.

IMPS to Nagpur Nagarik Sahakari Bank Limited KHAMLA (IFSC NGSB0000042)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC NGSB0000042 in your mobile or internet banking app, and the money is credited to the KHAMLA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Khamla

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 NGSB0000042:

• 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 KHAMLA is still linked to IFSC NGSB0000042.

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.

UPI payments and IFSC NGSB0000042

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 Nagpur Nagarik Sahakari Bank Limited – KHAMLA is still mapped to IFSC NGSB0000042. 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 NGSB0000042 and the beneficiary's account number to complete the transfer.

Online banking and IFSC NGSB0000042

Nagpur Nagarik Sahakari Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KHAMLA 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 NGSB0000042 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 Khamla branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC NGSB0000042 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 – KHAMLA:

• The IFSC is exactly NGSB0000042 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 KHAMLA 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 Khamla branch sits at 43,SHASTRI LAYOUT,OPP SOMALWAR HIGH SCHOOL, PRATAP NAGAR,NAGPUR. If you are travelling from outside Nagpur, 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 NGSB0000042 and your account number.

Verifying IFSC NGSB0000042 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 NGSB0000042 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 Khamla branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC NGSB0000042, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code NGSB0000042 belongs to Nagpur Nagarik Sahakari Bank Limited's KHAMLA branch, located at 43,SHASTRI LAYOUT,OPP SOMALWAR HIGH SCHOOL, PRATAP NAGAR,NAGPUR in NAGPUR, 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.