IFSC Code of The Nainital Bank Limited, Surhera Najafgarh Branch, Delhi

Below are the complete branch details for The Nainital Bank Limited, SURHERA NAJAFGARH branch, located in NEW DELHI, DELHI. The IFSC assigned by the Reserve Bank of India to this branch is NTBL0DEL105. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case NTBL0DEL105 for The Nainital Bank Limited – SURHERA NAJAFGARH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, NTBL0DEL105 is the IFSC of The Nainital Bank Limited's SURHERA NAJAFGARH branch. The format is fixed: NTBL = bank code, 0 = reserved, DEL105 = branch identifier.

Bank profile

The Nainital Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Surhera Najafgarh branch — IFSC NTBL0DEL105 — extends the bank's services to customers in and around New Delhi, Delhi.

Branch details at a glance

About this branch

The branch is located at VILLAGE & POST SURHERA (NAZAFGARH), NEW DELHI-110043. It serves the New Delhi 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 NTBL0DEL105 is used to identify this branch on the RBI payments network.

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 SURHERA NAJAFGARH branch came to be assigned the code NTBL0DEL105.

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 NTBL0DEL105, money simply cannot be routed to the SURHERA NAJAFGARH branch electronically.

Products and account variants supported

Every account opened at the Surhera Najafgarh branch is mapped to IFSC NTBL0DEL105 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 NTBL0DEL105.

Products and services

Customers walking into the Surhera Najafgarh 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 NTBL0DEL105

How to transfer money using IFSC NTBL0DEL105

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 NTBL0DEL105 across all three.

NEFT to The Nainital Bank Limited, SURHERA NAJAFGARH using IFSC NTBL0DEL105

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 NTBL0DEL105, and confirm that the system picks up The Nainital Bank Limited – SURHERA NAJAFGARH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SURHERA NAJAFGARH

If you need to transfer ₹2 lakh or more in one go to an account at The Nainital Bank Limited's SURHERA NAJAFGARH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC NTBL0DEL105 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Nainital Bank Limited – SURHERA NAJAFGARH, use IMPS. With IFSC NTBL0DEL105 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 NTBL0DEL105 for The Nainital Bank Limited – SURHERA NAJAFGARH, 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 Surhera Najafgarh 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 NTBL0DEL105

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 – SURHERA NAJAFGARH is still mapped to IFSC NTBL0DEL105. 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 NTBL0DEL105 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Surhera Najafgarh branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC NTBL0DEL105 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

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 NTBL0DEL105 and the account number together uniquely identify the Surhera Najafgarh 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 – SURHERA NAJAFGARH:

• The IFSC is exactly NTBL0DEL105 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 SURHERA NAJAFGARH 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 Surhera Najafgarh branch

The branch is located at VILLAGE & POST SURHERA (NAZAFGARH), NEW DELHI-110043, which puts it inside New Delhi, the broader Delhi district, and the state of Delhi. To plan your visit:

1. Open Google Maps on your phone and search for “The Nainital Bank Limited Surhera Najafgarh branch” — the verified location pin for IFSC NTBL0DEL105 should appear at the top of the results.
2. Confirm the branch is open by calling 11-28013040 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 NTBL0DEL105 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC NTBL0DEL105 for The Nainital Bank Limited – SURHERA NAJAFGARH, 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 Surhera Najafgarh branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC NTBL0DEL105, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: NTBL0DEL105 is the IFSC code of The Nainital Bank Limited, SURHERA NAJAFGARH branch, in NEW DELHI, DELHI. 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.