IFSC Code of New India Cooperative Bank Limited, Fort Branch Branch, Maharashtra

Use this page as a one-stop reference for everything related to New India Cooperative Bank Limited's FORT BRANCH branch in BRIHAN MUMBAI, MAHARASHTRA. The branch's IFSC code NICB0000021 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.

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, NICB0000021 is the IFSC of New India Cooperative Bank Limited's FORT BRANCH branch. The format is fixed: NICB = bank code, 0 = reserved, 000021 = branch identifier.

About the bank

New India Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Fort Branch branch in Brihan Mumbai, Maharashtra is part of this network and uses the IFSC code NICB0000021 for all electronic settlement.

Branch details at a glance

Fort Branch branch overview

Located at HARBOUR VIEW, 221/225, P.D MELLO ROAD, FORT, MUMBAI-400 001, the Fort 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 NICB0000021 is required for all interbank electronic transfers routed through this branch.

Why every New India 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 FORT BRANCH of New India Cooperative Bank Limited — its own 11-character IFSC. The code NICB0000021 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 NICB0000021 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 Fort Branch branch is mapped to IFSC NICB0000021 on the RBI payments network. The branch generally supports the full retail product catalogue of New India 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 NICB0000021.

Banking services available

The Fort Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-61427537.

• 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 NICB0000021

How to transfer money using IFSC NICB0000021

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 NICB0000021 across all three.

How to use IFSC NICB0000021 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to New India Cooperative Bank Limited's FORT 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 NICB0000021.
4. Confirm the bank name auto-populates as New India Cooperative Bank Limited and the branch as FORT BRANCH.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC NICB0000021

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 New India Cooperative Bank Limited – FORT BRANCH, ensure your bank's portal accepts IFSC NICB0000021 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to New India Cooperative Bank Limited – FORT BRANCH, use IMPS. With IFSC NICB0000021 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 Fort 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 NICB0000021:

• 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 FORT BRANCH is still linked to IFSC NICB0000021.

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 New India Cooperative Bank Limited's FORT BRANCH branch, the IFSC NICB0000021 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.

Online banking and IFSC NICB0000021

New India Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the FORT 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 NICB0000021 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 New India 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 NICB0000021 and the account number together uniquely identify the Fort 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 NICB0000021

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 New India Cooperative Bank Limited – FORT 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: NICB0000021.
• 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 Fort Branch branch sits at HARBOUR VIEW, 221/225, P.D MELLO ROAD, FORT, MUMBAI-400 001. If you are travelling from outside Brihan Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-61427537 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 NICB0000021 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC NICB0000021 for New India Cooperative Bank Limited – FORT 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.

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 Fort Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC NICB0000021, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code NICB0000021 belongs to New India Cooperative Bank Limited's FORT BRANCH branch, located at HARBOUR VIEW, 221/225, P.D MELLO ROAD, FORT, MUMBAI-400 001 in BRIHAN MUMBAI, 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.