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

Use this page as a one-stop reference for everything related to Nagpur Nagarik Sahakari Bank Limited's WARUD branch in NAGPUR, MAHARASHTRA. The branch's IFSC code NGSB0000023 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Nagpur Nagarik Sahakari Bank Limited – WARUD is NGSB0000023. The first four letters NGSB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000023 map to this branch in NAGPUR, MAHARASHTRA.

Branch details at a glance

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 Warud branch in Nagpur, Maharashtra is part of this network and uses the IFSC code NGSB0000023 for all electronic settlement.

About this branch

The branch is located at 8,WARD NO.4, PANDHURNA CHOWK, WARUD, DIST- AMARAVATI. It serves the Nagpur 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 NGSB0000023 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 WARUD branch came to be assigned the code NGSB0000023.

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 NGSB0000023, money simply cannot be routed to the WARUD branch electronically.

How to transfer money using IFSC NGSB0000023

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 NGSB0000023 across all three.

NEFT to Nagpur Nagarik Sahakari Bank Limited, WARUD using IFSC NGSB0000023

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 NGSB0000023, and confirm that the system picks up Nagpur Nagarik Sahakari Bank Limited – WARUD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC NGSB0000023

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 Nagpur Nagarik Sahakari Bank Limited – WARUD, ensure your bank's portal accepts IFSC NGSB0000023 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Nagpur Nagarik Sahakari Bank Limited WARUD (IFSC NGSB0000023)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC NGSB0000023 in your mobile or internet banking app, and the money is credited to the WARUD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Warud

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 NGSB0000023:

• 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 WARUD is still linked to IFSC NGSB0000023.

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 WARUD branch, the IFSC NGSB0000023 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.

Products and account variants supported

Every account opened at the Warud branch is mapped to IFSC NGSB0000023 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 NGSB0000023.

Banking services available

The Warud branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 7229234293.

• 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 NGSB0000023

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Nagpur Nagarik Sahakari Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC NGSB0000023 and the account number together uniquely identify the Warud branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC NGSB0000023

Nagpur Nagarik Sahakari Bank Limited customers can register for net banking and the bank's official mobile app once their account at the WARUD 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 NGSB0000023 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.

Common mistakes to avoid when using IFSC NGSB0000023

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 Nagpur Nagarik Sahakari Bank Limited – WARUD, 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: NGSB0000023.
• 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.

How to reach the Warud branch

The branch is located at 8,WARD NO.4, PANDHURNA CHOWK, WARUD, DIST- AMARAVATI, which puts it inside Nagpur, the broader Warud district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Nagpur Nagarik Sahakari Bank Limited Warud branch” — the verified location pin for IFSC NGSB0000023 should appear at the top of the results.
2. Confirm the branch is open by calling 7229234293 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 NGSB0000023 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC NGSB0000023 for Nagpur Nagarik Sahakari Bank Limited – WARUD, 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 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 Warud branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC NGSB0000023, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: NGSB0000023 is the IFSC code of Nagpur Nagarik Sahakari Bank Limited, WARUD branch, in NAGPUR, MAHARASHTRA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.