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

Use this page as a one-stop reference for everything related to The Nainital Bank Limited's CHAUMEL branch in CHAUMEL, UTTARAKHAND. The branch's IFSC code NTBL0CHA042 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.

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 – CHAUMEL is NTBL0CHA042. The first four letters NTBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters CHA042 map to this branch in CHAUMEL, UTTARAKHAND.

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 Chaumel branch in Chaumel, Uttarakhand is part of this network and uses the IFSC code NTBL0CHA042 for all electronic settlement.

Chaumel branch overview

Located at CHAUMEL BAZAR, CHAUMEL, CHAMPAWAT (UTTARAKHAND), the Chaumel branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC NTBL0CHA042 is required for all interbank electronic transfers routed through this branch.

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 CHAUMEL branch came to be assigned the code NTBL0CHA042.

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 NTBL0CHA042, money simply cannot be routed to the CHAUMEL branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Chaumel branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC NTBL0CHA042 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 NTBL0CHA042

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 NTBL0CHA042 across all three.

How to use IFSC NTBL0CHA042 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Nainital Bank Limited's CHAUMEL 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 NTBL0CHA042.
4. Confirm the bank name auto-populates as The Nainital Bank Limited and the branch as CHAUMEL.
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 NTBL0CHA042

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 – CHAUMEL, ensure your bank's portal accepts IFSC NTBL0CHA042 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 – CHAUMEL, use IMPS. With IFSC NTBL0CHA042 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 NTBL0CHA042 for The Nainital Bank Limited – CHAUMEL, 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 Chaumel 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 NTBL0CHA042

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 – CHAUMEL is still mapped to IFSC NTBL0CHA042. 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 NTBL0CHA042 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Chaumel branch is mapped to IFSC NTBL0CHA042 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 NTBL0CHA042.

Products and services

Customers walking into the Chaumel 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 NTBL0CHA042

Online banking and IFSC NTBL0CHA042

The Nainital Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CHAUMEL 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 NTBL0CHA042 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 Chaumel branch

The branch is located at CHAUMEL BAZAR, CHAUMEL, CHAMPAWAT (UTTARAKHAND), which puts it inside Chaumel, the broader Champawat district, and the state of Uttarakhand. To plan your visit:

1. Open Google Maps on your phone and search for “The Nainital Bank Limited Chaumel branch” — the verified location pin for IFSC NTBL0CHA042 should appear at the top of the results.
2. Confirm the branch is open by calling 5965-251003 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 NTBL0CHA042 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 Nainital Bank Limited – CHAUMEL:

• The IFSC is exactly NTBL0CHA042 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Nainital Bank Limited as the bank name and CHAUMEL 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 Chaumel 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 NTBL0CHA042 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC NTBL0CHA042 for The Nainital Bank Limited – CHAUMEL, 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 NTBL0CHA042 belongs to The Nainital Bank Limited's CHAUMEL branch, located at CHAUMEL BAZAR, CHAUMEL, CHAMPAWAT (UTTARAKHAND) in CHAUMEL, UTTARAKHAND. 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.