If you are searching for the IFSC code of Nav Jeevan Cooperative Bank Limited, ULHASNAGAR 4 BRANCH branch in ULHASNAGAR, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is NJBK0790007. 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 ULHASNAGAR 4 BRANCH branch, and detailed step-by-step guides for using the IFSC NJBK0790007 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, NJBK0790007 is the IFSC of Nav Jeevan Cooperative Bank Limited's ULHASNAGAR 4 BRANCH branch. The format is fixed: NJBK = bank code, 0 = reserved, 790007 = branch identifier.
Branch details at a glance
| Bank Name | Nav Jeevan Cooperative Bank Limited |
|---|---|
| Branch | Ulhasnagar 4 Branch |
| IFSC Code | NJBK0790007 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHOP NO 54-55, OPP. B K DIAGNOSTICS, MAIN ROAD, ULHASNAGAR-421004 |
| City | Ulhasnagar |
| District | Thane |
| State | Maharashtra |
| STD Code | 251 |
| Phone | 2581929 |
Bank profile
Nav Jeevan Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Ulhasnagar 4 Branch branch — IFSC NJBK0790007 — extends the bank's services to customers in and around Ulhasnagar, Maharashtra.
About this branch
The branch is located at SHOP NO 54-55, OPP. B K DIAGNOSTICS, MAIN ROAD, ULHASNAGAR-421004. 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 NJBK0790007 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 Nav Jeevan Cooperative Bank Limited's ULHASNAGAR 4 BRANCH branch came to be assigned the code NJBK0790007.
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 NJBK0790007, money simply cannot be routed to the ULHASNAGAR 4 BRANCH branch electronically.
How to transfer money using IFSC NJBK0790007
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 NJBK0790007 across all three.
How to use IFSC NJBK0790007 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 ULHASNAGAR 4 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC NJBK0790007.
- Confirm the bank name auto-populates as Nav Jeevan Cooperative Bank Limited and the branch as ULHASNAGAR 4 BRANCH.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC NJBK0790007
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 – ULHASNAGAR 4 BRANCH, ensure your bank's portal accepts IFSC NJBK0790007 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Nav Jeevan Cooperative Bank Limited – ULHASNAGAR 4 BRANCH, use IMPS. With IFSC NJBK0790007 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Ulhasnagar 4 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 NJBK0790007:
- 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 ULHASNAGAR 4 BRANCH is still linked to IFSC NJBK0790007.
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.
UPI payments and IFSC NJBK0790007
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 – ULHASNAGAR 4 BRANCH is still mapped to IFSC NJBK0790007. 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 NJBK0790007 and the beneficiary's account number to complete the transfer.
Account types you can open at the Ulhasnagar 4 Branch branch
Once you have an account at Nav Jeevan Cooperative Bank Limited – ULHASNAGAR 4 BRANCH, the IFSC NJBK0790007 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Ulhasnagar 4 Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 251-2581929.
- 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 NJBK0790007
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 NJBK0790007 and the account number together uniquely identify the Ulhasnagar 4 Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC NJBK0790007
Nav Jeevan Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the ULHASNAGAR 4 BRANCH 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 NJBK0790007 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 NJBK0790007
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 – ULHASNAGAR 4 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:
NJBK0790007. - 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 Ulhasnagar 4 Branch branch
The branch is located at SHOP NO 54-55, OPP. B K DIAGNOSTICS, MAIN ROAD, ULHASNAGAR-421004, which puts it inside Ulhasnagar, the broader Thane district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “Nav Jeevan Cooperative Bank Limited Ulhasnagar 4 Branch branch” — the verified location pin for IFSC NJBK0790007 should appear at the top of the results.
- Confirm the branch is open by calling 251-2581929 before stepping out, especially around public holidays.
- 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 NJBK0790007 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC NJBK0790007 for Nav Jeevan Cooperative Bank Limited – ULHASNAGAR 4 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 Ulhasnagar 4 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 NJBK0790007 continue to work without interruption.
Branch address & contact
Nav Jeevan Cooperative Bank LimitedUlhasnagar 4 Branch Branch
SHOP NO 54-55, OPP. B K DIAGNOSTICS, MAIN ROAD, ULHASNAGAR-421004
Ulhasnagar, Maharashtra
Phone: 251-2581929
IFSC: NJBK0790007
Frequently asked questions
How do I add Nav Jeevan Cooperative Bank Limited Ulhasnagar 4 Branch as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC NJBK0790007, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC NJBK0790007 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC NJBK0790007 to send funds instantly.
Where is Nav Jeevan Cooperative Bank Limited Ulhasnagar 4 Branch branch located?
Nav Jeevan Cooperative Bank Limited's Ulhasnagar 4 Branch branch is located at SHOP NO 54-55, OPP. B K DIAGNOSTICS, MAIN ROAD, ULHASNAGAR-421004, Ulhasnagar, Maharashtra.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Ulhasnagar 4 Branch branch but serve different purposes.
Is IFSC NJBK0790007 valid for NEFT and RTGS?
Yes. IFSC NJBK0790007 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Nav Jeevan Cooperative Bank Limited Ulhasnagar 4 Branch branch?
You can reach the branch at 251-2581929 during regular banking hours.
How quickly will an NEFT transfer using NJBK0790007 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Nav Jeevan Cooperative Bank Limited – Ulhasnagar 4 Branch reflect within 30 minutes.
Final notes
To recap: NJBK0790007 is the IFSC code of Nav Jeevan Cooperative Bank Limited, ULHASNAGAR 4 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.
