IFSC Code of The Nainital Bank Limited, Bhowali Branch, Uttarakhand

If you are searching for the IFSC code of The Nainital Bank Limited, BHOWALI branch in BHOWALI, UTTARAKHAND, this page has every detail you need. The verified IFSC code for this branch is NTBL0BHO090. 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 BHOWALI branch, and detailed step-by-step guides for using the IFSC NTBL0BHO090 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 – BHOWALI is NTBL0BHO090. The first four letters NTBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters BHO090 map to this branch in BHOWALI, UTTARAKHAND.

Branch details at a glance

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 Bhowali branch in Bhowali, Uttarakhand is part of this network and uses the IFSC code NTBL0BHO090 for all electronic settlement.

About the Bhowali branch

The Bhowali branch of The Nainital Bank Limited is situated at RAMGHAR ROAD ,BHOWALI-263132 (NAINITAL) UTTARAKHAND. 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 NTBL0BHO090 is used.

Why every The Nainital 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 BHOWALI of The Nainital Bank Limited — its own 11-character IFSC. The code NTBL0BHO090 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 NTBL0BHO090 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 NTBL0BHO090

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 NTBL0BHO090 across all three.

NEFT to The Nainital Bank Limited, BHOWALI using IFSC NTBL0BHO090

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 NTBL0BHO090, and confirm that the system picks up The Nainital Bank Limited – BHOWALI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC NTBL0BHO090

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 – BHOWALI, ensure your bank's portal accepts IFSC NTBL0BHO090 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 – BHOWALI, use IMPS. With IFSC NTBL0BHO090 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 NTBL0BHO090 for The Nainital Bank Limited – BHOWALI, 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 Bhowali 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 NTBL0BHO090

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 – BHOWALI is still mapped to IFSC NTBL0BHO090. 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 NTBL0BHO090 and the beneficiary's account number to complete the transfer.

Account types you can open at the Bhowali branch

Once you have an account at The Nainital Bank Limited – BHOWALI, the IFSC NTBL0BHO090 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 Bhowali 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 NTBL0BHO090

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 NTBL0BHO090 and the account number together uniquely identify the Bhowali branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC NTBL0BHO090

The Nainital Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BHOWALI 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 NTBL0BHO090 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 NTBL0BHO090

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 – BHOWALI, 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: NTBL0BHO090.
• 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 Bhowali branch sits at RAMGHAR ROAD ,BHOWALI-263132 (NAINITAL) UTTARAKHAND. If you are travelling from outside Bhowali, search for the branch on a maps application using the bank name and locality, or call 5942-220086 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 NTBL0BHO090 and your account number.

Verifying IFSC NTBL0BHO090 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 NTBL0BHO090 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 5942-220086.
• Visiting the bank's official branch locator page.

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 Bhowali branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC NTBL0BHO090, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: NTBL0BHO090 is the IFSC code of The Nainital Bank Limited, BHOWALI branch, in BHOWALI, UTTARAKHAND. 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.