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

If you are searching for the IFSC code of The Nainital Bank Limited, MORADABAD branch in MORADABAD, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is NTBL0MOR031. 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 MORADABAD branch, and detailed step-by-step guides for using the IFSC NTBL0MOR031 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.

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 MORADABAD branch, the IFSC NTBL0MOR031 breaks down as follows: NTBL identifies the bank, 0 is the reserved character, and MOR031 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 Moradabad branch — IFSC NTBL0MOR031 — extends the bank's services to customers in and around Moradabad, Uttar Pradesh.

About this branch

The branch is located at C-36, GANDHI NAGAR, MORADABAD 244001 (U.P.). It serves the Moradabad region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Nainital Bank Limited. The IFSC NTBL0MOR031 is used to identify this branch on the RBI payments network.

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 MORADABAD branch came to be assigned the code NTBL0MOR031.

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 NTBL0MOR031, money simply cannot be routed to the MORADABAD branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Moradabad branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC NTBL0MOR031 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 NTBL0MOR031

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 NTBL0MOR031 across all three.

How to use IFSC NTBL0MOR031 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Nainital Bank Limited's MORADABAD 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 NTBL0MOR031.
4. Confirm the bank name auto-populates as The Nainital Bank Limited and the branch as MORADABAD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to MORADABAD

If you need to transfer ₹2 lakh or more in one go to an account at The Nainital Bank Limited's MORADABAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC NTBL0MOR031 while initiating the transfer and the credit will appear within minutes.

IMPS to The Nainital Bank Limited MORADABAD (IFSC NTBL0MOR031)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC NTBL0MOR031 in your mobile or internet banking app, and the money is credited to the MORADABAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Moradabad

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 NTBL0MOR031:

• 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 MORADABAD is still linked to IFSC NTBL0MOR031.

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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at The Nainital Bank Limited's MORADABAD branch, the IFSC NTBL0MOR031 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the Moradabad branch is mapped to IFSC NTBL0MOR031 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 NTBL0MOR031.

Products and services

Customers walking into the Moradabad 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 NTBL0MOR031

Online banking and IFSC NTBL0MOR031

The Nainital Bank Limited customers can register for net banking and the bank's official mobile app once their account at the MORADABAD 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 NTBL0MOR031 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 Moradabad branch

The branch is located at C-36, GANDHI NAGAR, MORADABAD 244001 (U.P.), which puts it inside Moradabad, the broader Moradabad 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 Moradabad branch” — the verified location pin for IFSC NTBL0MOR031 should appear at the top of the results.
2. Confirm the branch is open by calling 591-2491906 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 NTBL0MOR031 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 – MORADABAD:

• The IFSC is exactly NTBL0MOR031 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 MORADABAD 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 Moradabad 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 NTBL0MOR031 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC NTBL0MOR031 for The Nainital Bank Limited – MORADABAD, 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

Final notes

To recap: NTBL0MOR031 is the IFSC code of The Nainital Bank Limited, MORADABAD branch, in MORADABAD, UTTAR PRADESH. 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.