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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Nainital Bank Limited, GOVINDPURAM branch in GHAZIABAD. The 11-digit IFSC NTBL0GHA148 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 Nainital Bank Limited at the GOVINDPURAM 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.

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 – GOVINDPURAM is NTBL0GHA148. The first four letters NTBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters GHA148 map to this branch in GHAZIABAD, 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 Govindpuram branch in Ghaziabad, Uttar Pradesh is part of this network and uses the IFSC code NTBL0GHA148 for all electronic settlement.

Branch details at a glance

About the Govindpuram branch

The Govindpuram branch of The Nainital Bank Limited is situated at 142 VISHNU ENCLAVE OPP ANAJ MANDI GOVINDPURAM MAIN HAPUR ROAD UTTAR PRADESH 201013. 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 NTBL0GHA148 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 GOVINDPURAM of The Nainital Bank Limited — its own 11-character IFSC. The code NTBL0GHA148 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 NTBL0GHA148 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Govindpuram branch is mapped to IFSC NTBL0GHA148 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 NTBL0GHA148.

Banking services available

The Govindpuram branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 120-7455801951.

• 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 NTBL0GHA148

How to transfer money using IFSC NTBL0GHA148

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 NTBL0GHA148 across all three.

NEFT to The Nainital Bank Limited, GOVINDPURAM using IFSC NTBL0GHA148

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 NTBL0GHA148, and confirm that the system picks up The Nainital Bank Limited – GOVINDPURAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC NTBL0GHA148

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 – GOVINDPURAM, ensure your bank's portal accepts IFSC NTBL0GHA148 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Nainital Bank Limited GOVINDPURAM (IFSC NTBL0GHA148)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC NTBL0GHA148 in your mobile or internet banking app, and the money is credited to the GOVINDPURAM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Govindpuram

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC NTBL0GHA148:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at GOVINDPURAM is still linked to IFSC NTBL0GHA148.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC NTBL0GHA148

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 – GOVINDPURAM is still mapped to IFSC NTBL0GHA148. 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 NTBL0GHA148 and the beneficiary's account number to complete the transfer.

Online banking and IFSC NTBL0GHA148

The Nainital Bank Limited customers can register for net banking and the bank's official mobile app once their account at the GOVINDPURAM 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 NTBL0GHA148 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.

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 NTBL0GHA148 and the account number together uniquely identify the Govindpuram branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – GOVINDPURAM:

• The IFSC is exactly NTBL0GHA148 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 GOVINDPURAM 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.

How to reach the Govindpuram branch

The branch is located at 142 VISHNU ENCLAVE OPP ANAJ MANDI GOVINDPURAM MAIN HAPUR ROAD UTTAR PRADESH 201013, which puts it inside Ghaziabad, the broader Ghaziabad 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 Govindpuram branch” — the verified location pin for IFSC NTBL0GHA148 should appear at the top of the results.
2. Confirm the branch is open by calling 120-7455801951 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 NTBL0GHA148 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC NTBL0GHA148 for The Nainital Bank Limited – GOVINDPURAM, 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 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 Govindpuram branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC NTBL0GHA148, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code NTBL0GHA148 belongs to The Nainital Bank Limited's GOVINDPURAM branch, located at 142 VISHNU ENCLAVE OPP ANAJ MANDI GOVINDPURAM MAIN HAPUR ROAD UTTAR PRADESH… in GHAZIABAD, 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.