IFSC Code of Nav Jeevan Cooperative Bank Limited, Siru Chowk Branch Branch, Maharashtra

If you are searching for the IFSC code of Nav Jeevan Cooperative Bank Limited, SIRU CHOWK BRANCH branch in ULHASNAGAR, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is NJBK0790002. 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 SIRU CHOWK BRANCH branch, and detailed step-by-step guides for using the IFSC NJBK0790002 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.

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 – SIRU CHOWK BRANCH is NJBK0790002. The first four letters NJBK are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 790002 map to this branch in ULHASNAGAR, MAHARASHTRA.

Bank profile

Nav Jeevan Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Siru Chowk Branch branch — IFSC NJBK0790002 — extends the bank's services to customers in and around Ulhasnagar, Maharashtra.

Branch details at a glance

Siru Chowk Branch branch overview

Located at SHOP NO 879 AND 880 JAPANI BAZAR NEAR SIRU CHOWK ULHASNAGAR 421002, the Siru Chowk Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC NJBK0790002 is required for all interbank electronic transfers routed through this branch.

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 SIRU CHOWK BRANCH of Nav Jeevan Cooperative Bank Limited — its own 11-character IFSC. The code NJBK0790002 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 NJBK0790002 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 Siru Chowk Branch branch is mapped to IFSC NJBK0790002 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 NJBK0790002.

Products and services

Customers walking into the Siru Chowk Branch branch can access most of Nav Jeevan Cooperative 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 NJBK0790002

How to transfer money using IFSC NJBK0790002

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 NJBK0790002 across all three.

How to use IFSC NJBK0790002 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Nav Jeevan Cooperative Bank Limited's SIRU CHOWK BRANCH branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC NJBK0790002.
4. Confirm the bank name auto-populates as Nav Jeevan Cooperative Bank Limited and the branch as SIRU CHOWK BRANCH.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to SIRU CHOWK BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at Nav Jeevan Cooperative Bank Limited's SIRU CHOWK BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC NJBK0790002 while initiating the transfer and the credit will appear within minutes.

IMPS to Nav Jeevan Cooperative Bank Limited SIRU CHOWK BRANCH (IFSC NJBK0790002)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC NJBK0790002 in your mobile or internet banking app, and the money is credited to the SIRU CHOWK BRANCH branch account within seconds.

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

All three modes accept the IFSC NJBK0790002 for Nav Jeevan Cooperative Bank Limited – SIRU CHOWK BRANCH, 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 Siru Chowk Branch 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.

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 SIRU CHOWK BRANCH branch, the IFSC NJBK0790002 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.

Digital banking channels

Most day-to-day work that customers used to do at the Siru Chowk 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 NJBK0790002 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.

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 NJBK0790002 and the account number together uniquely identify the Siru Chowk Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC NJBK0790002

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 – SIRU CHOWK 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: NJBK0790002.
• 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.

Reaching the branch

The Siru Chowk Branch branch sits at SHOP NO 879 AND 880 JAPANI BAZAR NEAR SIRU CHOWK ULHASNAGAR 421002. If you are travelling from outside Ulhasnagar, search for the branch on a maps application using the bank name and locality, or call 251-2721051 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 NJBK0790002 and your account number.

Verifying IFSC NJBK0790002 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 NJBK0790002 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 251-2721051.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Siru Chowk 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 NJBK0790002 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: NJBK0790002 is the IFSC code of Nav Jeevan Cooperative Bank Limited, SIRU CHOWK BRANCH branch, in ULHASNAGAR, 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.