IFSC Code of NKGSB Cooperative Bank Limited, Garkheda Branch, Maharashtra

Use this page as a one-stop reference for everything related to NKGSB Cooperative Bank Limited's GARKHEDA branch in AURANGABAD, MAHARASHTRA. The branch's IFSC code NKGS0000085 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 NKGSB Cooperative Bank Limited – GARKHEDA is NKGS0000085. The first four letters NKGS are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000085 map to this branch in AURANGABAD, MAHARASHTRA.

About NKGSB Cooperative Bank Limited

NKGSB Cooperative Bank Limited operates a wide network of branches across India, including the Garkheda branch in Aurangabad. 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, NKGS0000085.

About the Garkheda branch

The Garkheda branch of NKGSB Cooperative Bank Limited is situated at SARANG SOCIETY,NEAR GAJANAN MAHARAJ MANDIR,GARKHEDA,AURANGABAD 431005. 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 NKGS0000085 is used.

Branch details at a glance

Why every NKGSB 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 GARKHEDA of NKGSB Cooperative Bank Limited — its own 11-character IFSC. The code NKGS0000085 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 NKGS0000085 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Garkheda branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC NKGS0000085 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC NKGS0000085

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 NKGS0000085 across all three.

How to use IFSC NKGS0000085 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to NKGSB Cooperative Bank Limited's GARKHEDA 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 NKGS0000085.
4. Confirm the bank name auto-populates as NKGSB Cooperative Bank Limited and the branch as GARKHEDA.
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 GARKHEDA

If you need to transfer ₹2 lakh or more in one go to an account at NKGSB Cooperative Bank Limited's GARKHEDA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC NKGS0000085 while initiating the transfer and the credit will appear within minutes.

IMPS to NKGSB Cooperative Bank Limited GARKHEDA (IFSC NKGS0000085)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC NKGS0000085 in your mobile or internet banking app, and the money is credited to the GARKHEDA branch account within seconds.

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

All three modes accept the IFSC NKGS0000085 for NKGSB Cooperative Bank Limited – GARKHEDA, 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 Garkheda 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 NKGSB Cooperative Bank Limited's GARKHEDA branch, the IFSC NKGS0000085 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.

Products and account variants supported

Every account opened at the Garkheda branch is mapped to IFSC NKGS0000085 on the RBI payments network. The branch generally supports the full retail product catalogue of NKGSB 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 NKGS0000085.

Banking services available

The Garkheda branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 240-2451880.

• 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 NKGS0000085

Digital banking channels

Most day-to-day work that customers used to do at the Garkheda 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 NKGS0000085 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.

How to reach the Garkheda branch

The branch is located at SARANG SOCIETY,NEAR GAJANAN MAHARAJ MANDIR,GARKHEDA,AURANGABAD 431005, which puts it inside Aurangabad, the broader Aurangabad district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “NKGSB Cooperative Bank Limited Garkheda branch” — the verified location pin for IFSC NKGS0000085 should appear at the top of the results.
2. Confirm the branch is open by calling 240-2451880 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 NKGS0000085 and your account number.

Common mistakes to avoid when using IFSC NKGS0000085

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 NKGSB Cooperative Bank Limited – GARKHEDA, 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: NKGS0000085.
• 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.

Working hours

Branch counters at Garkheda 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 NKGS0000085 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC NKGS0000085 for NKGSB Cooperative Bank Limited – GARKHEDA, 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 address & contact

Frequently asked questions

Summary

The IFSC code NKGS0000085 belongs to NKGSB Cooperative Bank Limited's GARKHEDA branch, located at SARANG SOCIETY,NEAR GAJANAN MAHARAJ MANDIR,GARKHEDA,AURANGABAD 431005 in AURANGABAD, 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.