IFSC Code of Nutan Nagarik Sahakari Bank Limited, Ring Road Branch, Gujarat

If you are searching for the IFSC code of Nutan Nagarik Sahakari Bank Limited, RING ROAD branch in SURAT, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is NNSB0128041. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the RING ROAD branch, and detailed step-by-step guides for using the IFSC NNSB0128041 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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, NNSB0128041 is the IFSC of Nutan Nagarik Sahakari Bank Limited's RING ROAD branch. The format is fixed: NNSB = bank code, 0 = reserved, 128041 = branch identifier.

Bank profile

Nutan Nagarik Sahakari Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Ring Road branch — IFSC NNSB0128041 — extends the bank's services to customers in and around Surat, Gujarat.

About this branch

The branch is located at SHOP NO.1004,1005,1006,KRISHNA TEXTILE MARKET,NEAR JJ TEXTILE MARKET,UMARWADA,RING ROAD,SURAT-395002.. It serves the Surat region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Nutan Nagarik Sahakari Bank Limited. The IFSC NNSB0128041 is used to identify this branch on the RBI payments network.

Branch details at a glance

Why every Nutan Nagarik Sahakari 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 RING ROAD of Nutan Nagarik Sahakari Bank Limited — its own 11-character IFSC. The code NNSB0128041 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 NNSB0128041 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 Nutan Nagarik Sahakari Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC NNSB0128041 and the account number together uniquely identify the Ring Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC NNSB0128041

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 NNSB0128041 across all three.

How to use IFSC NNSB0128041 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Nutan Nagarik Sahakari Bank Limited's RING 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 NNSB0128041.
4. Confirm the bank name auto-populates as Nutan Nagarik Sahakari Bank Limited and the branch as RING 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 RING ROAD

If you need to transfer ₹2 lakh or more in one go to an account at Nutan Nagarik Sahakari Bank Limited's RING ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC NNSB0128041 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Nutan Nagarik Sahakari Bank Limited – RING ROAD, use IMPS. With IFSC NNSB0128041 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 Ring 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 NNSB0128041:

• 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 RING ROAD is still linked to IFSC NNSB0128041.

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 Nutan Nagarik Sahakari Bank Limited's RING ROAD branch, the IFSC NNSB0128041 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 Ring Road branch is mapped to IFSC NNSB0128041 on the RBI payments network. The branch generally supports the full retail product catalogue of Nutan Nagarik Sahakari 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 NNSB0128041.

Banking services available

The Ring Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-9825653008.

• 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 NNSB0128041

Online banking and IFSC NNSB0128041

Nutan Nagarik Sahakari Bank Limited customers can register for net banking and the bank's official mobile app once their account at the RING 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 NNSB0128041 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 Ring Road branch

The branch is located at SHOP NO.1004,1005,1006,KRISHNA TEXTILE MARKET,NEAR JJ TEXTILE MARKET,UMARWADA,RING ROAD,SURAT-395002., which puts it inside Surat, the broader Surat district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Nutan Nagarik Sahakari Bank Limited Ring Road branch” — the verified location pin for IFSC NNSB0128041 should appear at the top of the results.
2. Confirm the branch is open by calling 261-9825653008 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 NNSB0128041 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 Nutan Nagarik Sahakari Bank Limited – RING ROAD:

• The IFSC is exactly NNSB0128041 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Nutan Nagarik Sahakari Bank Limited as the bank name and RING 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.

Working hours

Branch counters at Ring Road 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 NNSB0128041 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC NNSB0128041 for Nutan Nagarik Sahakari Bank Limited – RING 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 address & contact

Frequently asked questions

Final notes

To recap: NNSB0128041 is the IFSC code of Nutan Nagarik Sahakari Bank Limited, RING ROAD branch, in SURAT, GUJARAT. 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.