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

Use this page as a one-stop reference for everything related to The Nainital Bank Limited's KOTDWAR branch in KOTDWARA, UTTARAKHAND. The branch's IFSC code NTBL0KOT055 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For The Nainital Bank Limited's KOTDWAR branch, the IFSC NTBL0KOT055 breaks down as follows: NTBL identifies the bank, 0 is the reserved character, and KOT055 identifies this particular branch.

Bank profile

The Nainital Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Kotdwar branch — IFSC NTBL0KOT055 — extends the bank's services to customers in and around Kotdwara, Uttarakhand.

Branch details at a glance

Kotdwar branch overview

Located at BADRINATH ROAD, KOTDWAR, the Kotdwar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC NTBL0KOT055 is required for all interbank electronic transfers routed through this branch.

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 KOTDWAR of The Nainital Bank Limited — its own 11-character IFSC. The code NTBL0KOT055 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 NTBL0KOT055 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 Kotdwar branch is mapped to IFSC NTBL0KOT055 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 NTBL0KOT055.

Banking services available

The Kotdwar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1382-227443.

• 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 NTBL0KOT055

How to transfer money using IFSC NTBL0KOT055

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 NTBL0KOT055 across all three.

How to use IFSC NTBL0KOT055 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Nainital Bank Limited's KOTDWAR 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 NTBL0KOT055.
4. Confirm the bank name auto-populates as The Nainital Bank Limited and the branch as KOTDWAR.
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 NTBL0KOT055

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 – KOTDWAR, ensure your bank's portal accepts IFSC NTBL0KOT055 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Nainital Bank Limited KOTDWAR (IFSC NTBL0KOT055)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC NTBL0KOT055 in your mobile or internet banking app, and the money is credited to the KOTDWAR branch account within seconds.

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

All three modes accept the IFSC NTBL0KOT055 for The Nainital Bank Limited – KOTDWAR, 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 Kotdwar 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 NTBL0KOT055

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 – KOTDWAR is still mapped to IFSC NTBL0KOT055. 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 NTBL0KOT055 and the beneficiary's account number to complete the transfer.

Online banking and IFSC NTBL0KOT055

The Nainital Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KOTDWAR 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 NTBL0KOT055 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 & cheque-truncation details

Cheques drawn on the Kotdwar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC NTBL0KOT055 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC NTBL0KOT055

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 – KOTDWAR, 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: NTBL0KOT055.
• 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.

How to reach the Kotdwar branch

The branch is located at BADRINATH ROAD, KOTDWAR, which puts it inside Kotdwara, the broader Garhwal district, and the state of Uttarakhand. To plan your visit:

1. Open Google Maps on your phone and search for “The Nainital Bank Limited Kotdwar branch” — the verified location pin for IFSC NTBL0KOT055 should appear at the top of the results.
2. Confirm the branch is open by calling 1382-227443 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 NTBL0KOT055 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC NTBL0KOT055 for The Nainital Bank Limited – KOTDWAR, 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.

Working hours

Branch counters at Kotdwar 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 NTBL0KOT055 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: NTBL0KOT055 is the IFSC code of The Nainital Bank Limited, KOTDWAR branch, in KOTDWARA, 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.