IFSC Code of Nav Jeevan Cooperative Bank Limited, Main Branch Branch, Maharashtra

Use this page as a one-stop reference for everything related to Nav Jeevan Cooperative Bank Limited's MAIN BRANCH branch in ULHASNAGAR, MAHARASHTRA. The branch's IFSC code NJBK0790001 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 Nav Jeevan Cooperative Bank Limited – MAIN BRANCH is NJBK0790001. The first four letters NJBK are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 790001 map to this branch in ULHASNAGAR, MAHARASHTRA.

Branch details at a glance

About Nav Jeevan Cooperative Bank Limited

Nav Jeevan Cooperative Bank Limited operates a wide network of branches across India, including the Main Branch branch in Ulhasnagar. 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, NJBK0790001.

About the Main Branch branch

The Main Branch branch of Nav Jeevan Cooperative Bank Limited is situated at BHAWANI SAW MILLS COMPOUND,ULHASNAGAR 421003. 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 NJBK0790001 is used.

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 Nav Jeevan Cooperative Bank Limited's MAIN BRANCH branch came to be assigned the code NJBK0790001.

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 NJBK0790001, money simply cannot be routed to the MAIN BRANCH branch electronically.

How to transfer money using IFSC NJBK0790001

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 NJBK0790001 across all three.

NEFT to Nav Jeevan Cooperative Bank Limited, MAIN BRANCH using IFSC NJBK0790001

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 NJBK0790001, and confirm that the system picks up Nav Jeevan Cooperative Bank Limited – MAIN BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC NJBK0790001

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 Nav Jeevan Cooperative Bank Limited – MAIN BRANCH, ensure your bank's portal accepts IFSC NJBK0790001 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Nav Jeevan Cooperative Bank Limited MAIN BRANCH (IFSC NJBK0790001)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC NJBK0790001 in your mobile or internet banking app, and the money is credited to the MAIN BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Main Branch

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 NJBK0790001:

• 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 MAIN BRANCH is still linked to IFSC NJBK0790001.

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 Nav Jeevan Cooperative Bank Limited's MAIN BRANCH branch, the IFSC NJBK0790001 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 Main Branch branch is mapped to IFSC NJBK0790001 on the RBI payments network. The branch generally supports the full retail product catalogue of Nav Jeevan Cooperative 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 NJBK0790001.

Banking services available

The Main Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 251-2527101.

• 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 NJBK0790001

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Nav Jeevan Cooperative Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC NJBK0790001 and the account number together uniquely identify the Main Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Main Branch 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 NJBK0790001 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.

Common mistakes to avoid when using IFSC NJBK0790001

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 Nav Jeevan Cooperative Bank Limited – MAIN BRANCH, 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: NJBK0790001.
• 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 Main Branch branch

The branch is located at BHAWANI SAW MILLS COMPOUND,ULHASNAGAR 421003, which puts it inside Ulhasnagar, the broader Thane district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Nav Jeevan Cooperative Bank Limited Main Branch branch” — the verified location pin for IFSC NJBK0790001 should appear at the top of the results.
2. Confirm the branch is open by calling 251-2527101 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 NJBK0790001 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC NJBK0790001 for Nav Jeevan Cooperative Bank Limited – MAIN BRANCH, 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.

Working hours

Branch counters at Main Branch are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to NJBK0790001 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code NJBK0790001 belongs to Nav Jeevan Cooperative Bank Limited's MAIN BRANCH branch, located at BHAWANI SAW MILLS COMPOUND,ULHASNAGAR 421003 in ULHASNAGAR, 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.