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

This page lists the IFSC code, branch address, contact number and fund-transfer information for NKGSB Cooperative Bank Limited, BHANDUP WEST branch in MUMBAI. The 11-digit IFSC NKGS0000093 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 BHANDUP 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, NKGS0000093 is the IFSC of NKGSB Cooperative Bank Limited's BHANDUP WEST branch. The format is fixed: NKGS = bank code, 0 = reserved, 000093 = branch identifier.

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 Bhandup West branch in Mumbai, Maharashtra is part of this network and uses the IFSC code NKGS0000093 for all electronic settlement.

About this branch

The branch is located at SHOP NO.1,2,3 GROUND FLOOR,JAYSHREE PLAZA SURVEY NO.212, CTS NO.643,643/1 TO 48, LBS MARG, BHANDUP WEST MUMBAI 400078. It serves the Mumbai 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 NKGS0000093 is used to identify this branch on the RBI payments network.

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 BHANDUP WEST of NKGSB Cooperative Bank Limited — its own 11-character IFSC. The code NKGS0000093 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 NKGS0000093 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Bhandup West branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC NKGS0000093 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC NKGS0000093

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 NKGS0000093 across all three.

How to use IFSC NKGS0000093 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to NKGSB Cooperative Bank Limited's BHANDUP 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 NKGS0000093.
4. Confirm the bank name auto-populates as NKGSB Cooperative Bank Limited and the branch as BHANDUP 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 NKGS0000093

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 – BHANDUP WEST, ensure your bank's portal accepts IFSC NKGS0000093 while registering the beneficiary. RTGS is also available 24x7.

IMPS to NKGSB Cooperative Bank Limited BHANDUP WEST (IFSC NKGS0000093)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC NKGS0000093 in your mobile or internet banking app, and the money is credited to the BHANDUP WEST branch account within seconds.

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

All three modes accept the IFSC NKGS0000093 for NKGSB Cooperative Bank Limited – BHANDUP 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 Bhandup 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.

UPI payments and IFSC NKGS0000093

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 – BHANDUP WEST is still mapped to IFSC NKGS0000093. 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 NKGS0000093 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Bhandup West branch is mapped to IFSC NKGS0000093 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 NKGS0000093.

Products and services

Customers walking into the Bhandup 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 NKGS0000093

Online banking and IFSC NKGS0000093

NKGSB Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BHANDUP 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 NKGS0000093 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 Bhandup West branch

The branch is located at SHOP NO.1,2,3 GROUND FLOOR,JAYSHREE PLAZA SURVEY NO.212, CTS NO.643,643/1 TO 48, LBS MARG, BHANDUP WEST MUMBAI 400078, 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 Bhandup West branch” — the verified location pin for IFSC NKGS0000093 should appear at the top of the results.
2. Confirm the branch is open by calling 22-25660957 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 NKGS0000093 and your account number.

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 – BHANDUP WEST:

• The IFSC is exactly NKGS0000093 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 BHANDUP WEST 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.

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 Bhandup West branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC NKGS0000093, however, work 24x7.

Verifying IFSC NKGS0000093 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 NKGS0000093 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-25660957.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: NKGS0000093 is the IFSC code of NKGSB Cooperative Bank Limited, BHANDUP WEST branch, in MUMBAI, MAHARASHTRA. 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.