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

If you are searching for the IFSC code of NKGSB Cooperative Bank Limited, KODIALBAIL branch in MANGALURU, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is NKGS0000097. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KODIALBAIL branch, and detailed step-by-step guides for using the IFSC NKGS0000097 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 KODIALBAIL branch, the IFSC NKGS0000097 breaks down as follows: NKGS identifies the bank, 0 is the reserved character, and 000097 identifies this particular branch.

About the bank

NKGSB Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kodialbail branch in Mangaluru, Karnataka is part of this network and uses the IFSC code NKGS0000097 for all electronic settlement.

About the Kodialbail branch

The Kodialbail branch of NKGSB Cooperative Bank Limited is situated at GR.FLOOR,SHOP NO 1,2 AND 3,AADESH AVENUE,KALAKUNJ ROAD,NEAR BASANT WOMENS COLLEGE,KODIALBAIL,MANGALURU 575003. 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 NKGS0000097 is used.

Branch details at a glance

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 KODIALBAIL branch came to be assigned the code NKGS0000097.

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 NKGS0000097, money simply cannot be routed to the KODIALBAIL branch electronically.

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 NKGS0000097 and the account number together uniquely identify the Kodialbail branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC NKGS0000097

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 NKGS0000097 across all three.

How to use IFSC NKGS0000097 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to NKGSB Cooperative Bank Limited's KODIALBAIL 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 NKGS0000097.
4. Confirm the bank name auto-populates as NKGSB Cooperative Bank Limited and the branch as KODIALBAIL.
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 KODIALBAIL

If you need to transfer ₹2 lakh or more in one go to an account at NKGSB Cooperative Bank Limited's KODIALBAIL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC NKGS0000097 while initiating the transfer and the credit will appear within minutes.

IMPS to NKGSB Cooperative Bank Limited KODIALBAIL (IFSC NKGS0000097)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC NKGS0000097 in your mobile or internet banking app, and the money is credited to the KODIALBAIL branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kodialbail

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 NKGS0000097:

• 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 KODIALBAIL is still linked to IFSC NKGS0000097.

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.

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 KODIALBAIL branch, the IFSC NKGS0000097 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 Kodialbail branch is mapped to IFSC NKGS0000097 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 NKGS0000097.

Products and services

Customers walking into the Kodialbail 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 NKGS0000097

Digital banking channels

Most day-to-day work that customers used to do at the Kodialbail 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 NKGS0000097 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.

Reaching the branch

The Kodialbail branch sits at GR.FLOOR,SHOP NO 1,2 AND 3,AADESH AVENUE,KALAKUNJ ROAD,NEAR BASANT WOMENS COLLEGE,KODIALBAIL,MANGALURU 575003. If you are travelling from outside Mangaluru, search for the branch on a maps application using the bank name and locality, or call 22-67545083 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 NKGS0000097 and your account number.

Common mistakes to avoid when using IFSC NKGS0000097

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 – KODIALBAIL, 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: NKGS0000097.
• 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.

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 Kodialbail branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC NKGS0000097, however, work 24x7.

Verifying IFSC NKGS0000097 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 NKGS0000097 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-67545083.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code NKGS0000097 belongs to NKGSB Cooperative Bank Limited's KODIALBAIL branch, located at GR.FLOOR,SHOP NO 1,2 AND 3,AADESH AVENUE,KALAKUNJ ROAD,NEAR BASANT WOMENS… in MANGALURU, 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.