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

Below are the complete branch details for NKGSB Cooperative Bank Limited, MAHIM branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is NKGS0000004. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case NKGS0000004 for NKGSB Cooperative Bank Limited – MAHIM — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 MAHIM branch, the IFSC NKGS0000004 breaks down as follows: NKGS identifies the bank, 0 is the reserved character, and 000004 identifies this particular branch.

Bank profile

NKGSB Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Mahim branch — IFSC NKGS0000004 — extends the bank's services to customers in and around Mumbai, Maharashtra.

Branch details at a glance

Mahim branch overview

Located at JAGRUTI CHS LTD., L.J. ROAD, MAHIM, MUMBAI-400016,, the Mahim branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC NKGS0000004 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 MAHIM branch came to be assigned the code NKGS0000004.

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 NKGS0000004, money simply cannot be routed to the MAHIM branch electronically.

Products and account variants supported

Every account opened at the Mahim branch is mapped to IFSC NKGS0000004 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 NKGS0000004.

Banking services available

The Mahim branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-24442463.

• 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 NKGS0000004

How to transfer money using IFSC NKGS0000004

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 NKGS0000004 across all three.

How to use IFSC NKGS0000004 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to NKGSB Cooperative Bank Limited's MAHIM 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 NKGS0000004.
4. Confirm the bank name auto-populates as NKGSB Cooperative Bank Limited and the branch as MAHIM.
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 NKGS0000004

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 – MAHIM, ensure your bank's portal accepts IFSC NKGS0000004 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 – MAHIM, use IMPS. With IFSC NKGS0000004 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 NKGS0000004 for NKGSB Cooperative Bank Limited – MAHIM, 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 Mahim 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 MAHIM branch, the IFSC NKGS0000004 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.

Digital banking channels

Most day-to-day work that customers used to do at the Mahim 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 NKGS0000004 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.

MICR & cheque-truncation details

Cheques drawn on the Mahim branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC NKGS0000004 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – MAHIM:

• The IFSC is exactly NKGS0000004 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 MAHIM 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 Mahim branch sits at JAGRUTI CHS LTD., L.J. ROAD, MAHIM, MUMBAI-400016,. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-24442463 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 NKGS0000004 and your account number.

Verifying IFSC NKGS0000004 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 NKGS0000004 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-24442463.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Mahim 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 NKGS0000004 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code NKGS0000004 belongs to NKGSB Cooperative Bank Limited's MAHIM branch, located at JAGRUTI CHS LTD., L.J. ROAD, MAHIM, MUMBAI-400016, 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.