IFSC Code of NKGSB Cooperative Bank Limited, Badd Branch, Karnataka

Use this page as a one-stop reference for everything related to NKGSB Cooperative Bank Limited's BADD branch in KARWAR, KARNATAKA. The branch's IFSC code NKGS0000099 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 – BADD is NKGS0000099. The first four letters NKGS are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000099 map to this branch in KARWAR, KARNATAKA.

Bank profile

NKGSB Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Badd branch — IFSC NKGS0000099 — extends the bank's services to customers in and around Karwar, Karnataka.

Branch details at a glance

About this branch

The branch is located at PREMIER EDUCATION SOCIETIES DR. D.L. TELANG GIRLS HIGH SCHOOL, BAAD, KARWAR KARNATAKA 581304. It serves the Karwar region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of NKGSB Cooperative Bank Limited. The IFSC NKGS0000099 is used to identify this branch on the RBI payments network.

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 BADD branch came to be assigned the code NKGS0000099.

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 NKGS0000099, money simply cannot be routed to the BADD branch electronically.

Products and account variants supported

Every account opened at the Badd branch is mapped to IFSC NKGS0000099 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 NKGS0000099.

Products and services

Customers walking into the Badd 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 NKGS0000099

How to transfer money using IFSC NKGS0000099

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 NKGS0000099 across all three.

NEFT to NKGSB Cooperative Bank Limited, BADD using IFSC NKGS0000099

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 NKGS0000099, and confirm that the system picks up NKGSB Cooperative Bank Limited – BADD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BADD

If you need to transfer ₹2 lakh or more in one go to an account at NKGSB Cooperative Bank Limited's BADD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC NKGS0000099 while initiating the transfer and the credit will appear within minutes.

IMPS to NKGSB Cooperative Bank Limited BADD (IFSC NKGS0000099)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC NKGS0000099 in your mobile or internet banking app, and the money is credited to the BADD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Badd

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 NKGS0000099:

• 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 BADD is still linked to IFSC NKGS0000099.

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 NKGS0000099

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 – BADD is still mapped to IFSC NKGS0000099. 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 NKGS0000099 and the beneficiary's account number to complete the transfer.

Online banking and IFSC NKGS0000099

NKGSB Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BADD 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 NKGS0000099 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 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 NKGS0000099 and the account number together uniquely identify the Badd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to NKGSB Cooperative Bank Limited – BADD:

• The IFSC is exactly NKGS0000099 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills NKGSB Cooperative Bank Limited as the bank name and BADD as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Reaching the branch

The Badd branch sits at PREMIER EDUCATION SOCIETIES DR. D.L. TELANG GIRLS HIGH SCHOOL, BAAD, KARWAR KARNATAKA 581304. If you are travelling from outside Karwar, search for the branch on a maps application using the bank name and locality, or call 8382-225003 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 NKGS0000099 and your account number.

Verifying IFSC NKGS0000099 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 NKGS0000099 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8382-225003.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Badd 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 NKGS0000099 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code NKGS0000099 belongs to NKGSB Cooperative Bank Limited's BADD branch, located at PREMIER EDUCATION SOCIETIES DR. D.L. TELANG GIRLS HIGH SCHOOL, BAAD, KARWAR… in KARWAR, KARNATAKA. 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.