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

This page lists the IFSC code, branch address, contact number and fund-transfer information for NKGSB Cooperative Bank Limited, BHIWANDI branch in BHIWANDI. The 11-digit IFSC NKGS0000090 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with NKGSB Cooperative Bank Limited at the BHIWANDI location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 BHIWANDI branch, the IFSC NKGS0000090 breaks down as follows: NKGS identifies the bank, 0 is the reserved character, and 000090 identifies this particular branch.

Branch details at a glance

About NKGSB Cooperative Bank Limited

NKGSB Cooperative Bank Limited operates a wide network of branches across India, including the Bhiwandi branch in Bhiwandi. 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, NKGS0000090.

Bhiwandi branch overview

Located at SHOP NO 8,9 AND 10 GROUND FLOOR,CITY CENTER,C.T.S.NO 8794,DHAMANKAR NAKA,BHIWANDI DIST THANE 421302, the Bhiwandi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC NKGS0000090 is required for all interbank electronic transfers routed through this branch.

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 NKGSB Cooperative Bank Limited's BHIWANDI branch came to be assigned the code NKGS0000090.

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 NKGS0000090, money simply cannot be routed to the BHIWANDI branch electronically.

How to transfer money using IFSC NKGS0000090

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 NKGS0000090 across all three.

How to use IFSC NKGS0000090 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to NKGSB Cooperative Bank Limited's BHIWANDI 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 NKGS0000090.
4. Confirm the bank name auto-populates as NKGSB Cooperative Bank Limited and the branch as BHIWANDI.
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 NKGS0000090

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 – BHIWANDI, ensure your bank's portal accepts IFSC NKGS0000090 while registering the beneficiary. RTGS is also available 24x7.

IMPS to NKGSB Cooperative Bank Limited BHIWANDI (IFSC NKGS0000090)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC NKGS0000090 in your mobile or internet banking app, and the money is credited to the BHIWANDI branch account within seconds.

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

All three modes accept the IFSC NKGS0000090 for NKGSB Cooperative Bank Limited – BHIWANDI, 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 Bhiwandi 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 NKGS0000090

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 – BHIWANDI is still mapped to IFSC NKGS0000090. 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 NKGS0000090 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Bhiwandi branch is mapped to IFSC NKGS0000090 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 NKGS0000090.

Banking services available

The Bhiwandi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2522-2230322.

• 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 NKGS0000090

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by NKGSB 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 NKGS0000090 and the account number together uniquely identify the Bhiwandi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC NKGS0000090

NKGSB Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BHIWANDI 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 NKGS0000090 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 NKGS0000090

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 – BHIWANDI, 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: NKGS0000090.
• 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 Bhiwandi branch sits at SHOP NO 8,9 AND 10 GROUND FLOOR,CITY CENTER,C.T.S.NO 8794,DHAMANKAR NAKA,BHIWANDI DIST THANE 421302. If you are travelling from outside Bhiwandi, search for the branch on a maps application using the bank name and locality, or call 2522-2230322 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 NKGS0000090 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC NKGS0000090 for NKGSB Cooperative Bank Limited – BHIWANDI, 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 Bhiwandi 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 NKGS0000090 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code NKGS0000090 belongs to NKGSB Cooperative Bank Limited's BHIWANDI branch, located at SHOP NO 8,9 AND 10 GROUND FLOOR,CITY CENTER,C.T.S.NO 8794,DHAMANKAR… in BHIWANDI, 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.