IFSC Code of Prime Cooperative Bank Limited, Nadiad Branch Branch, Gujarat

Use this page as a one-stop reference for everything related to Prime Cooperative Bank Limited's NADIAD BRANCH branch in NADIAD, GUJARAT. The branch's IFSC code PMEC0102323 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 Prime Cooperative Bank Limited's NADIAD BRANCH branch, the IFSC PMEC0102323 breaks down as follows: PMEC identifies the bank, 0 is the reserved character, and 102323 identifies this particular branch.

Branch details at a glance

Bank profile

Prime Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Nadiad Branch branch — IFSC PMEC0102323 — extends the bank's services to customers in and around Nadiad, Gujarat.

Nadiad Branch branch overview

Located at 1ST FLOOR, AKSHAR MOTEL BUILDING , OPP S T DEPOT, SANTRAM ROAD, NADIAD, DIST KHEDA, the Nadiad Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PMEC0102323 is required for all interbank electronic transfers routed through this branch.

Why every Prime 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 NADIAD BRANCH of Prime Cooperative Bank Limited — its own 11-character IFSC. The code PMEC0102323 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 PMEC0102323 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC PMEC0102323

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 PMEC0102323 across all three.

NEFT to Prime Cooperative Bank Limited, NADIAD BRANCH using IFSC PMEC0102323

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 PMEC0102323, and confirm that the system picks up Prime Cooperative Bank Limited – NADIAD BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PMEC0102323

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 Prime Cooperative Bank Limited – NADIAD BRANCH, ensure your bank's portal accepts IFSC PMEC0102323 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Prime Cooperative Bank Limited – NADIAD BRANCH, use IMPS. With IFSC PMEC0102323 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 PMEC0102323 for Prime Cooperative Bank Limited – NADIAD BRANCH, 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 Nadiad Branch 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 Prime Cooperative Bank Limited's NADIAD BRANCH branch, the IFSC PMEC0102323 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 Nadiad Branch branch is mapped to IFSC PMEC0102323 on the RBI payments network. The branch generally supports the full retail product catalogue of Prime 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 PMEC0102323.

Banking services available

The Nadiad Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 268-2551962.

• 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 PMEC0102323

MICR & cheque-truncation details

Cheques drawn on the Nadiad Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PMEC0102323 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC PMEC0102323

Prime Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the NADIAD BRANCH 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 PMEC0102323 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.

Common mistakes to avoid when using IFSC PMEC0102323

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Prime Cooperative Bank Limited – NADIAD BRANCH, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: PMEC0102323.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Reaching the branch

The Nadiad Branch branch sits at 1ST FLOOR, AKSHAR MOTEL BUILDING , OPP S T DEPOT, SANTRAM ROAD, NADIAD, DIST KHEDA. If you are travelling from outside Nadiad, search for the branch on a maps application using the bank name and locality, or call 268-2551962 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 PMEC0102323 and your account number.

Verifying IFSC PMEC0102323 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 PMEC0102323 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 268-2551962.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Nadiad Branch 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 PMEC0102323 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PMEC0102323 is the IFSC code of Prime Cooperative Bank Limited, NADIAD BRANCH branch, in NADIAD, 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.