IFSC Code of NKGSB Cooperative Bank Limited, Hrbr Layout Branch, Karnataka

Use this page as a one-stop reference for everything related to NKGSB Cooperative Bank Limited's HRBR LAYOUT branch in BENGALURU, KARNATAKA. The branch's IFSC code NKGS0000111 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For NKGSB Cooperative Bank Limited's HRBR LAYOUT branch, the IFSC NKGS0000111 breaks down as follows: NKGS identifies the bank, 0 is the reserved character, and 000111 identifies this particular branch.

About NKGSB Cooperative Bank Limited

NKGSB Cooperative Bank Limited operates a wide network of branches across India, including the Hrbr Layout branch in Bengaluru. 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, NKGS0000111.

Branch details at a glance

Hrbr Layout branch overview

Located at NO 25,NEHRU ROAD,KAMANHALLI,HRBR LAYOUT,BENGALURU,- 560084, the Hrbr Layout branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC NKGS0000111 is required for all interbank electronic transfers routed through this branch.

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 HRBR LAYOUT of NKGSB Cooperative Bank Limited — its own 11-character IFSC. The code NKGS0000111 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 NKGS0000111 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 Hrbr Layout branch is mapped to IFSC NKGS0000111 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 NKGS0000111.

Products and services

Customers walking into the Hrbr Layout branch can access most of NKGSB 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 NKGS0000111

How to transfer money using IFSC NKGS0000111

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 NKGS0000111 across all three.

NEFT to NKGSB Cooperative Bank Limited, HRBR LAYOUT using IFSC NKGS0000111

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 NKGS0000111, and confirm that the system picks up NKGSB Cooperative Bank Limited – HRBR LAYOUT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC NKGS0000111

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 NKGSB Cooperative Bank Limited – HRBR LAYOUT, ensure your bank's portal accepts IFSC NKGS0000111 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to NKGSB Cooperative Bank Limited – HRBR LAYOUT, use IMPS. With IFSC NKGS0000111 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 Hrbr Layout

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 NKGS0000111:

• 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 HRBR LAYOUT is still linked to IFSC NKGS0000111.

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 NKGS0000111

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 NKGSB Cooperative Bank Limited – HRBR LAYOUT is still mapped to IFSC NKGS0000111. 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 NKGS0000111 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Hrbr Layout 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 NKGS0000111 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 & cheque-truncation details

Cheques drawn on the Hrbr Layout branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC NKGS0000111 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC NKGS0000111

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 – HRBR LAYOUT, 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: NKGS0000111.
• 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 Hrbr Layout branch sits at NO 25,NEHRU ROAD,KAMANHALLI,HRBR LAYOUT,BENGALURU,- 560084. If you are travelling from outside Bengaluru, search for the branch on a maps application using the bank name and locality, or call 80-25802525 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 NKGS0000111 and your account number.

Verifying IFSC NKGS0000111 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 NKGS0000111 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 80-25802525.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Hrbr Layout 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 NKGS0000111 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: NKGS0000111 is the IFSC code of NKGSB Cooperative Bank Limited, HRBR LAYOUT branch, in BENGALURU, KARNATAKA. 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.