IFSC Code of New India Cooperative Bank Limited, Link Road, Andheri (west) Branch, Maharashtra

Use this page as a one-stop reference for everything related to New India Cooperative Bank Limited's LINK ROAD, ANDHERI (WEST) branch in BRIHAN MUMBAI, MAHARASHTRA. The branch's IFSC code NICB0000029 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 New India Cooperative Bank Limited – LINK ROAD, ANDHERI (WEST) is NICB0000029. The first four letters NICB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000029 map to this branch in BRIHAN MUMBAI, MAHARASHTRA.

Branch details at a glance

Bank profile

New India Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Link Road, Andheri (west) branch — IFSC NICB0000029 — extends the bank's services to customers in and around Brihan Mumbai, Maharashtra.

About the Link Road, Andheri (west) branch

The Link Road, Andheri (west) branch of New India Cooperative Bank Limited is situated at CRYSTAL PLAZA, NEW LINK ROAD, ANDHERI (WEST), MUMBAI 400 058. 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 NICB0000029 is used.

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 LINK ROAD, ANDHERI (WEST) of New India Cooperative Bank Limited — its own 11-character IFSC. The code NICB0000029 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 NICB0000029 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC NICB0000029

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 NICB0000029 across all three.

NEFT to New India Cooperative Bank Limited, LINK ROAD, ANDHERI (WEST) using IFSC NICB0000029

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 NICB0000029, and confirm that the system picks up New India Cooperative Bank Limited – LINK ROAD, ANDHERI (WEST). Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC NICB0000029

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 – LINK ROAD, ANDHERI (WEST), ensure your bank's portal accepts IFSC NICB0000029 while registering the beneficiary. RTGS is also available 24x7.

IMPS to New India Cooperative Bank Limited LINK ROAD, ANDHERI (WEST) (IFSC NICB0000029)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC NICB0000029 in your mobile or internet banking app, and the money is credited to the LINK ROAD, ANDHERI (WEST) branch account within seconds.

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

All three modes accept the IFSC NICB0000029 for New India Cooperative Bank Limited – LINK ROAD, ANDHERI (WEST), 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 Link Road, Andheri (west) 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 NICB0000029

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 New India Cooperative Bank Limited – LINK ROAD, ANDHERI (WEST) is still mapped to IFSC NICB0000029. 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 NICB0000029 and the beneficiary's account number to complete the transfer.

Account types you can open at the Link Road, Andheri (west) branch

Once you have an account at New India Cooperative Bank Limited – LINK ROAD, ANDHERI (WEST), the IFSC NICB0000029 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 Link Road, Andheri (west) branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-65262275.

• 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 NICB0000029

MICR & cheque-truncation details

Cheques drawn on the Link Road, Andheri (west) branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC NICB0000029 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC NICB0000029

New India Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the LINK ROAD, ANDHERI (WEST) 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 NICB0000029 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 NICB0000029

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 – LINK ROAD, ANDHERI (WEST), 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: NICB0000029.
• 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 Link Road, Andheri (west) branch

The branch is located at CRYSTAL PLAZA, NEW LINK ROAD, ANDHERI (WEST), MUMBAI 400 058, which puts it inside Brihan Mumbai, the broader Mumbai district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “New India Cooperative Bank Limited Link Road, Andheri (west) branch” — the verified location pin for IFSC NICB0000029 should appear at the top of the results.
2. Confirm the branch is open by calling 22-65262275 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 NICB0000029 and your account number.

Verifying IFSC NICB0000029 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 NICB0000029 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-65262275.
• 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 Link Road, Andheri (west) branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC NICB0000029, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code NICB0000029 belongs to New India Cooperative Bank Limited's LINK ROAD, ANDHERI (WEST) branch, located at CRYSTAL PLAZA, NEW LINK ROAD, ANDHERI (WEST), MUMBAI 400 058 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.