IFSC Code of NKGSB Cooperative Bank Limited, Vadodara Branch, Gujarat

Below are the complete branch details for NKGSB Cooperative Bank Limited, VADODARA branch, located in VADODARA, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is NKGS0000061. 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 NKGS0000061 for NKGSB Cooperative Bank Limited – VADODARA — 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 VADODARA branch, the IFSC NKGS0000061 breaks down as follows: NKGS identifies the bank, 0 is the reserved character, and 000061 identifies this particular branch.

About NKGSB Cooperative Bank Limited

NKGSB Cooperative Bank Limited operates a wide network of branches across India, including the Vadodara branch in Vadodara. 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, NKGS0000061.

Branch details at a glance

About this branch

The branch is located at SILVER ARCADE, AKOTA, MUJMAHUDA ROAD, VADODARA - 390007. It serves the Vadodara 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 NKGS0000061 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 VADODARA branch came to be assigned the code NKGS0000061.

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 NKGS0000061, money simply cannot be routed to the VADODARA branch electronically.

Account types you can open at the Vadodara branch

Once you have an account at NKGSB Cooperative Bank Limited – VADODARA, the IFSC NKGS0000061 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 Vadodara 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 NKGS0000061

How to transfer money using IFSC NKGS0000061

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 NKGS0000061 across all three.

NEFT to NKGSB Cooperative Bank Limited, VADODARA using IFSC NKGS0000061

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC NKGS0000061, and confirm that the system picks up NKGSB Cooperative Bank Limited – VADODARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to VADODARA

If you need to transfer ₹2 lakh or more in one go to an account at NKGSB Cooperative Bank Limited's VADODARA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC NKGS0000061 while initiating the transfer and the credit will appear within minutes.

IMPS to NKGSB Cooperative Bank Limited VADODARA (IFSC NKGS0000061)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC NKGS0000061 in your mobile or internet banking app, and the money is credited to the VADODARA branch account within seconds.

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

All three modes accept the IFSC NKGS0000061 for NKGSB Cooperative Bank Limited – VADODARA, 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 Vadodara 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 NKGS0000061

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 – VADODARA is still mapped to IFSC NKGS0000061. 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 NKGS0000061 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Vadodara 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 NKGS0000061 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 Vadodara branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC NKGS0000061 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 – VADODARA:

• The IFSC is exactly NKGS0000061 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 VADODARA 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 Vadodara branch sits at SILVER ARCADE, AKOTA, MUJMAHUDA ROAD, VADODARA - 390007. If you are travelling from outside Vadodara, search for the branch on a maps application using the bank name and locality, or call 265-2354618 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 NKGS0000061 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC NKGS0000061 for NKGSB Cooperative Bank Limited – VADODARA, 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 Vadodara branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC NKGS0000061, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code NKGS0000061 belongs to NKGSB Cooperative Bank Limited's VADODARA branch, located at SILVER ARCADE, AKOTA, MUJMAHUDA ROAD, VADODARA - 390007 in VADODARA, GUJARAT. 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.