IFSC Code of The Bank of Nova Scotia, RTGS-HO Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Bank of Nova Scotia, RTGS-HO branch in MUMBAI. The 11-digit IFSC NOSC0000MUM uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with The Bank of Nova Scotia at the RTGS-HO location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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, NOSC0000MUM is the IFSC of The Bank of Nova Scotia's RTGS-HO branch. The format is fixed: NOSC = bank code, 0 = reserved, 000MUM = branch identifier.

About the bank

The Bank of Nova Scotia serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its RTGS-HO branch in Mumbai, Maharashtra is part of this network and uses the IFSC code NOSC0000MUM for all electronic settlement.

About the RTGS-HO branch

The RTGS-HO branch of The Bank of Nova Scotia is situated at 91-94, 3 NORTH AVENUE, MAKER MAXITY, BANDRA KURLA COMPLEX, MUMBAI 400051, INDIA. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code NOSC0000MUM is used.

Branch details at a glance

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 The Bank of Nova Scotia's RTGS-HO branch came to be assigned the code NOSC0000MUM.

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 NOSC0000MUM, money simply cannot be routed to the RTGS-HO branch electronically.

MICR & cheque-truncation details

Cheques drawn on the RTGS-HO branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC NOSC0000MUM for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC NOSC0000MUM

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 NOSC0000MUM across all three.

NEFT to The Bank of Nova Scotia, RTGS-HO using IFSC NOSC0000MUM

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 NOSC0000MUM, and confirm that the system picks up The Bank of Nova Scotia – RTGS-HO. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC NOSC0000MUM

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 The Bank of Nova Scotia – RTGS-HO, ensure your bank's portal accepts IFSC NOSC0000MUM while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Bank of Nova Scotia RTGS-HO (IFSC NOSC0000MUM)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC NOSC0000MUM in your mobile or internet banking app, and the money is credited to the RTGS-HO branch account within seconds.

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

All three modes accept the IFSC NOSC0000MUM for The Bank of Nova Scotia – RTGS-HO, 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 RTGS-HO 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 NOSC0000MUM

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 The Bank of Nova Scotia – RTGS-HO is still mapped to IFSC NOSC0000MUM. 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 NOSC0000MUM and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the RTGS-HO branch is mapped to IFSC NOSC0000MUM on the RBI payments network. The branch generally supports the full retail product catalogue of The Bank of Nova Scotia, 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 NOSC0000MUM.

Products and services

Customers walking into the RTGS-HO branch can access most of The Bank of Nova Scotia'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 NOSC0000MUM

Digital banking channels

Most day-to-day work that customers used to do at the RTGS-HO 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 NOSC0000MUM 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.

How to reach the RTGS-HO branch

The branch is located at 91-94, 3 NORTH AVENUE, MAKER MAXITY, BANDRA KURLA COMPLEX, MUMBAI 400051, INDIA, which puts it inside Mumbai, the broader Mumbai district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “The Bank of Nova Scotia RTGS-HO branch” — the verified location pin for IFSC NOSC0000MUM should appear at the top of the results.
2. Confirm the branch is open by calling 22-66586931 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 NOSC0000MUM 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 The Bank of Nova Scotia – RTGS-HO:

• The IFSC is exactly NOSC0000MUM with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Bank of Nova Scotia as the bank name and RTGS-HO 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.

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 RTGS-HO branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC NOSC0000MUM, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC NOSC0000MUM for The Bank of Nova Scotia – RTGS-HO, 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: NOSC0000MUM is the IFSC code of The Bank of Nova Scotia, RTGS-HO branch, in MUMBAI, 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.