IFSC Code of The Nainital Bank Limited, Afzalgarh Branch, Uttar Pradesh

If you are searching for the IFSC code of The Nainital Bank Limited, AFZALGARH branch in AFZALGARH, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is NTBL0AFZ162. 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 AFZALGARH branch, and detailed step-by-step guides for using the IFSC NTBL0AFZ162 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for The Nainital Bank Limited – AFZALGARH is NTBL0AFZ162. The first four letters NTBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters AFZ162 map to this branch in AFZALGARH, UTTAR PRADESH.

About the bank

The Nainital Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Afzalgarh branch in Afzalgarh, Uttar Pradesh is part of this network and uses the IFSC code NTBL0AFZ162 for all electronic settlement.

About the Afzalgarh branch

The Afzalgarh branch of The Nainital Bank Limited is situated at THE NAINITAL BANK LIMITED, MAIN MARKET, PNB ROAD, DISTT BIJNOR, UTTAR PRADESH - 244717. 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 NTBL0AFZ162 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 Nainital Bank Limited's AFZALGARH branch came to be assigned the code NTBL0AFZ162.

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 NTBL0AFZ162, money simply cannot be routed to the AFZALGARH branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by The Nainital Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC NTBL0AFZ162 and the account number together uniquely identify the Afzalgarh branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC NTBL0AFZ162

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 NTBL0AFZ162 across all three.

How to use IFSC NTBL0AFZ162 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Nainital Bank Limited's AFZALGARH 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 NTBL0AFZ162.
4. Confirm the bank name auto-populates as The Nainital Bank Limited and the branch as AFZALGARH.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC NTBL0AFZ162

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 Nainital Bank Limited – AFZALGARH, ensure your bank's portal accepts IFSC NTBL0AFZ162 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to The Nainital Bank Limited – AFZALGARH, use IMPS. With IFSC NTBL0AFZ162 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 NTBL0AFZ162 for The Nainital Bank Limited – AFZALGARH, 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 Afzalgarh 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 NTBL0AFZ162

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 Nainital Bank Limited – AFZALGARH is still mapped to IFSC NTBL0AFZ162. 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 NTBL0AFZ162 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Afzalgarh branch is mapped to IFSC NTBL0AFZ162 on the RBI payments network. The branch generally supports the full retail product catalogue of The Nainital 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 NTBL0AFZ162.

Products and services

Customers walking into the Afzalgarh branch can access most of The Nainital 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 NTBL0AFZ162

Digital banking channels

Most day-to-day work that customers used to do at the Afzalgarh 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 NTBL0AFZ162 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 Afzalgarh branch

The branch is located at THE NAINITAL BANK LIMITED, MAIN MARKET, PNB ROAD, DISTT BIJNOR, UTTAR PRADESH - 244717, which puts it inside Afzalgarh, the broader Bijnor district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “The Nainital Bank Limited Afzalgarh branch” — the verified location pin for IFSC NTBL0AFZ162 should appear at the top of the results.
2. Confirm the branch is open by calling 7217024544 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 NTBL0AFZ162 and your account number.

Common mistakes to avoid when using IFSC NTBL0AFZ162

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 The Nainital Bank Limited – AFZALGARH, 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: NTBL0AFZ162.
• 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.

Working hours

Branch counters at Afzalgarh 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 NTBL0AFZ162 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC NTBL0AFZ162 for The Nainital Bank Limited – AFZALGARH, 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

Summary

The IFSC code NTBL0AFZ162 belongs to The Nainital Bank Limited's AFZALGARH branch, located at THE NAINITAL BANK LIMITED, MAIN MARKET, PNB ROAD, DISTT BIJNOR, UTTAR PRADESH… in AFZALGARH, UTTAR PRADESH. 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.