IFSC Code of NKGSB Cooperative Bank Limited, Andheri West Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for NKGSB Cooperative Bank Limited, ANDHERI WEST branch in MUMBAI. The 11-digit IFSC NKGS0000094 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 ANDHERI WEST 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 ANDHERI WEST branch, the IFSC NKGS0000094 breaks down as follows: NKGS identifies the bank, 0 is the reserved character, and 000094 identifies this particular branch.

About NKGSB Cooperative Bank Limited

NKGSB Cooperative Bank Limited operates a wide network of branches across India, including the Andheri West branch in Mumbai. 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, NKGS0000094.

About the Andheri West branch

The Andheri West branch of NKGSB Cooperative Bank Limited is situated at UNIT NO 101,SBI STAFF PALLAVI CO.OP.HSG SOCIETY,PLOT NO 8,VEERA DESAI ROAD,ANDHERI WEST,MUMBAI 400058. 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 NKGS0000094 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 ANDHERI WEST of NKGSB Cooperative Bank Limited — its own 11-character IFSC. The code NKGS0000094 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 NKGS0000094 the same way you would treat your account number — verify it once and save it carefully for future use.

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 NKGS0000094 and the account number together uniquely identify the Andheri West branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC NKGS0000094

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 NKGS0000094 across all three.

How to use IFSC NKGS0000094 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to NKGSB Cooperative Bank Limited's ANDHERI WEST 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 NKGS0000094.
4. Confirm the bank name auto-populates as NKGSB Cooperative Bank Limited and the branch as ANDHERI WEST.
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 NKGS0000094

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 – ANDHERI WEST, ensure your bank's portal accepts IFSC NKGS0000094 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 – ANDHERI WEST, use IMPS. With IFSC NKGS0000094 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC NKGS0000094 for NKGSB Cooperative Bank Limited – ANDHERI WEST, 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 Andheri West 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 ANDHERI WEST branch, the IFSC NKGS0000094 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 Andheri West branch is mapped to IFSC NKGS0000094 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 NKGS0000094.

Products and services

Customers walking into the Andheri West 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 NKGS0000094

Online banking and IFSC NKGS0000094

NKGSB Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the ANDHERI WEST 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 NKGS0000094 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.

How to reach the Andheri West branch

The branch is located at UNIT NO 101,SBI STAFF PALLAVI CO.OP.HSG SOCIETY,PLOT NO 8,VEERA DESAI ROAD,ANDHERI WEST,MUMBAI 400058, which puts it inside Mumbai, the broader Greater Bombay district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “NKGSB Cooperative Bank Limited Andheri West branch” — the verified location pin for IFSC NKGS0000094 should appear at the top of the results.
2. Confirm the branch is open by calling 22-26879359 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 NKGS0000094 and your account number.

Common mistakes to avoid when using IFSC NKGS0000094

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 – ANDHERI WEST, 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: NKGS0000094.
• 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 Andheri West 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 NKGS0000094 continue to work without interruption.

Verifying IFSC NKGS0000094 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 NKGS0000094 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-26879359.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code NKGS0000094 belongs to NKGSB Cooperative Bank Limited's ANDHERI WEST branch, located at UNIT NO 101,SBI STAFF PALLAVI CO.OP.HSG SOCIETY,PLOT NO 8,VEERA DESAI… in MUMBAI, 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.