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

If you are searching for the IFSC code of Nagpur Nagarik Sahakari Bank Limited, PUNE branch in PUNE, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is NGSB0000045. 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 PUNE branch, and detailed step-by-step guides for using the IFSC NGSB0000045 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.

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 PUNE branch, the IFSC NGSB0000045 breaks down as follows: NGSB identifies the bank, 0 is the reserved character, and 000045 identifies this particular branch.

About Nagpur Nagarik Sahakari Bank Limited

Nagpur Nagarik Sahakari Bank Limited operates a wide network of branches across India, including the Pune branch in Pune. 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, NGSB0000045.

About the Pune branch

The Pune branch of Nagpur Nagarik Sahakari Bank Limited is situated at YASH ELINA OPP KARISHMA SOCIETY LANE OFF KARVE ROAD KOTHRUD PUNE. 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 NGSB0000045 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 Nagpur Nagarik Sahakari Bank Limited's PUNE branch came to be assigned the code NGSB0000045.

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 NGSB0000045, money simply cannot be routed to the PUNE branch electronically.

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 NGSB0000045 and the account number together uniquely identify the Pune branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC NGSB0000045

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 NGSB0000045 across all three.

NEFT to Nagpur Nagarik Sahakari Bank Limited, PUNE using IFSC NGSB0000045

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 NGSB0000045, and confirm that the system picks up Nagpur Nagarik Sahakari Bank Limited – PUNE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to PUNE

If you need to transfer ₹2 lakh or more in one go to an account at Nagpur Nagarik Sahakari Bank Limited's PUNE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC NGSB0000045 while initiating the transfer and the credit will appear within minutes.

IMPS to Nagpur Nagarik Sahakari Bank Limited PUNE (IFSC NGSB0000045)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC NGSB0000045 in your mobile or internet banking app, and the money is credited to the PUNE branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Pune

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 NGSB0000045:

• 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 PUNE is still linked to IFSC NGSB0000045.

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 PUNE branch, the IFSC NGSB0000045 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 Pune branch is mapped to IFSC NGSB0000045 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 NGSB0000045.

Products and services

Customers walking into the Pune 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 NGSB0000045

Online banking and IFSC NGSB0000045

Nagpur Nagarik Sahakari Bank Limited customers can register for net banking and the bank's official mobile app once their account at the PUNE 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 NGSB0000045 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.

How to reach the Pune branch

The branch is located at YASH ELINA OPP KARISHMA SOCIETY LANE OFF KARVE ROAD KOTHRUD PUNE, which puts it inside Pune, the broader Pune 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 Pune branch” — the verified location pin for IFSC NGSB0000045 should appear at the top of the results.
2. Confirm the branch is open by calling 0 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 NGSB0000045 and your account number.

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 – PUNE:

• The IFSC is exactly NGSB0000045 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 PUNE 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.

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 Pune branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC NGSB0000045, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC NGSB0000045 for Nagpur Nagarik Sahakari Bank Limited – PUNE, 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 NGSB0000045 belongs to Nagpur Nagarik Sahakari Bank Limited's PUNE branch, located at YASH ELINA OPP KARISHMA SOCIETY LANE OFF KARVE ROAD KOTHRUD PUNE in PUNE, 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.