IFSC Code of NKGSB Cooperative Bank Limited, Sinhagad Road Branch, Maharashtra

Below are the complete branch details for NKGSB Cooperative Bank Limited, SINHAGAD ROAD branch, located in PUNE, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is NKGS0000070. 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 NKGS0000070 for NKGSB Cooperative Bank Limited – SINHAGAD ROAD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, NKGS0000070 is the IFSC of NKGSB Cooperative Bank Limited's SINHAGAD ROAD branch. The format is fixed: NKGS = bank code, 0 = reserved, 000070 = branch identifier.

Branch details at a glance

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 Sinhagad Road branch in Pune, Maharashtra is part of this network and uses the IFSC code NKGS0000070 for all electronic settlement.

About this branch

The branch is located at SUNDAR SAMRUDHI BLDG, NEAR KAILAS JIVAN FACTORY,DHAYARI SINHAGAD ROAD,PUNE-411041. It serves the Pune 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 NKGS0000070 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 SINHAGAD ROAD branch came to be assigned the code NKGS0000070.

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 NKGS0000070, money simply cannot be routed to the SINHAGAD ROAD branch electronically.

How to transfer money using IFSC NKGS0000070

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 NKGS0000070 across all three.

How to use IFSC NKGS0000070 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to NKGSB Cooperative Bank Limited's SINHAGAD ROAD 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 NKGS0000070.
4. Confirm the bank name auto-populates as NKGSB Cooperative Bank Limited and the branch as SINHAGAD ROAD.
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 SINHAGAD ROAD

If you need to transfer ₹2 lakh or more in one go to an account at NKGSB Cooperative Bank Limited's SINHAGAD ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC NKGS0000070 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to NKGSB Cooperative Bank Limited – SINHAGAD ROAD, use IMPS. With IFSC NKGS0000070 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Sinhagad Road

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 NKGS0000070:

• 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 SINHAGAD ROAD is still linked to IFSC NKGS0000070.

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 SINHAGAD ROAD branch, the IFSC NKGS0000070 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.

Account types you can open at the Sinhagad Road branch

Once you have an account at NKGSB Cooperative Bank Limited – SINHAGAD ROAD, the IFSC NKGS0000070 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Sinhagad Road 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 NKGS0000070

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 NKGS0000070 and the account number together uniquely identify the Sinhagad Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC NKGS0000070

NKGSB Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SINHAGAD ROAD 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 NKGS0000070 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.

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 – SINHAGAD ROAD:

• The IFSC is exactly NKGS0000070 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 SINHAGAD ROAD 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.

How to reach the Sinhagad Road branch

The branch is located at SUNDAR SAMRUDHI BLDG, NEAR KAILAS JIVAN FACTORY,DHAYARI SINHAGAD ROAD,PUNE-411041, which puts it inside Pune, the broader Pune district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “NKGSB Cooperative Bank Limited Sinhagad Road branch” — the verified location pin for IFSC NKGS0000070 should appear at the top of the results.
2. Confirm the branch is open by calling 20-65608060 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 NKGS0000070 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC NKGS0000070 for NKGSB Cooperative Bank Limited – SINHAGAD ROAD, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

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 Sinhagad Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC NKGS0000070, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: NKGS0000070 is the IFSC code of NKGSB Cooperative Bank Limited, SINHAGAD ROAD branch, in PUNE, 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.