IFSC Code of Nav Jeevan Cooperative Bank Limited, Service Center Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Nav Jeevan Cooperative Bank Limited, SERVICE CENTER branch in ULHASNAGAR. The 11-digit IFSC NJBK00000SC 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 Nav Jeevan Cooperative Bank Limited at the SERVICE CENTER 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 Nav Jeevan Cooperative Bank Limited's SERVICE CENTER branch, the IFSC NJBK00000SC breaks down as follows: NJBK identifies the bank, 0 is the reserved character, and 0000SC identifies this particular branch.

About Nav Jeevan Cooperative Bank Limited

Nav Jeevan Cooperative Bank Limited operates a wide network of branches across India, including the Service Center 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, NJBK00000SC.

Branch details at a glance

About this branch

The branch is located at BHAWANI SAW MILLS COMPOUND,ULHASNAGAR 421003. It serves the Ulhasnagar region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Nav Jeevan Cooperative Bank Limited. The IFSC NJBK00000SC is used to identify this branch on the RBI payments network.

Why every Nav Jeevan Cooperative Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including SERVICE CENTER of Nav Jeevan Cooperative Bank Limited — its own 11-character IFSC. The code NJBK00000SC is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC NJBK00000SC the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Service Center branch is mapped to IFSC NJBK00000SC 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 NJBK00000SC.

Banking services available

The Service Center 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 NJBK00000SC

How to transfer money using IFSC NJBK00000SC

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 NJBK00000SC across all three.

NEFT to Nav Jeevan Cooperative Bank Limited, SERVICE CENTER using IFSC NJBK00000SC

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 NJBK00000SC, and confirm that the system picks up Nav Jeevan Cooperative Bank Limited – SERVICE CENTER. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SERVICE CENTER

If you need to transfer ₹2 lakh or more in one go to an account at Nav Jeevan Cooperative Bank Limited's SERVICE CENTER branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC NJBK00000SC while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Nav Jeevan Cooperative Bank Limited – SERVICE CENTER, use IMPS. With IFSC NJBK00000SC and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC NJBK00000SC for Nav Jeevan Cooperative Bank Limited – SERVICE CENTER, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Service Center branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC NJBK00000SC

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 Nav Jeevan Cooperative Bank Limited – SERVICE CENTER is still mapped to IFSC NJBK00000SC. 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 NJBK00000SC and the beneficiary's account number to complete the transfer.

Online banking and IFSC NJBK00000SC

Nav Jeevan Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SERVICE CENTER 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 NJBK00000SC 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 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 NJBK00000SC and the account number together uniquely identify the Service Center branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 Nav Jeevan Cooperative Bank Limited – SERVICE CENTER:

• The IFSC is exactly NJBK00000SC with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Nav Jeevan Cooperative Bank Limited as the bank name and SERVICE CENTER 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 Service Center branch sits at BHAWANI SAW MILLS COMPOUND,ULHASNAGAR 421003. If you are travelling from outside Ulhasnagar, search for the branch on a maps application using the bank name and locality, or call 251-2527101 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 NJBK00000SC and your account number.

Verifying IFSC NJBK00000SC 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 NJBK00000SC by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 251-2527101.
• 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 Service Center branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC NJBK00000SC, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code NJBK00000SC belongs to Nav Jeevan Cooperative Bank Limited's SERVICE CENTER 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.