Use this page as a one-stop reference for everything related to The Nasik Merchants Cooperative Bank Limited's branch in , GUJARAT. The branch's IFSC code NMCB0000044 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 Nasik Merchants Cooperative Bank Limited's branch, the IFSC NMCB0000044 breaks down as follows: NMCB identifies the bank, 0 is the reserved character, and 000044 identifies this particular branch.
About the bank
The Nasik Merchants Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its branch in , Gujarat is part of this network and uses the IFSC code NMCB0000044 for all electronic settlement.
Branch details at a glance
| Bank Name | The Nasik Merchants Cooperative Bank Limited |
|---|---|
| IFSC Code | NMCB0000044 |
| MICR Code | Refer to cheque leaf |
| Branch Address | C.S.NO 868, TP 6, FP 264/P , SHRI JAI MARUTI COMPLEX,UDHANA DARWAJA, RING ROAD,NEAR GUJRAT SAMACHAR PRESS, SURAT DIST.-SURAT (GUJARAT) 395002 |
| State | Gujarat |
| Phone | 2631670 |
About this branch
The branch is located at C.S.NO 868, TP 6, FP 264/P , SHRI JAI MARUTI COMPLEX,UDHANA DARWAJA, RING ROAD,NEAR GUJRAT SAMACHAR PRESS, SURAT DIST.-SURAT (GUJARAT) 395002. It serves the 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 Nasik Merchants Cooperative Bank Limited. The IFSC NMCB0000044 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 Nasik Merchants Cooperative Bank Limited's branch came to be assigned the code NMCB0000044.
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 NMCB0000044, money simply cannot be routed to the branch electronically.
Products and account variants supported
Every account opened at the branch is mapped to IFSC NMCB0000044 on the RBI payments network. The branch generally supports the full retail product catalogue of The Nasik Merchants Cooperative 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 NMCB0000044.
Products and services
Customers walking into the branch can access most of The Nasik Merchants Cooperative 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 NMCB0000044
How to transfer money using IFSC NMCB0000044
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 NMCB0000044 across all three.
How to use IFSC NMCB0000044 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Nasik Merchants Cooperative Bank Limited's 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC NMCB0000044.
- Confirm the bank name auto-populates as The Nasik Merchants Cooperative Bank Limited and the branch as .
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC NMCB0000044
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 Nasik Merchants Cooperative Bank Limited – , ensure your bank's portal accepts IFSC NMCB0000044 while registering the beneficiary. RTGS is also available 24x7.
IMPS to The Nasik Merchants Cooperative Bank Limited (IFSC NMCB0000044)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC NMCB0000044 in your mobile or internet banking app, and the money is credited to the branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC NMCB0000044 for The Nasik Merchants Cooperative Bank Limited – , 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – NMCB0000044 | Yes – NMCB0000044 | Yes – NMCB0000044 |
For most retail customers crediting the 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 NMCB0000044
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 Nasik Merchants Cooperative Bank Limited – is still mapped to IFSC NMCB0000044. 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 NMCB0000044 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 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 NMCB0000044 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 Nasik Merchants Cooperative Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC NMCB0000044 and the account number together uniquely identify the 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 Nasik Merchants Cooperative Bank Limited – :
- The IFSC is exactly NMCB0000044 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills The Nasik Merchants Cooperative Bank Limited as the bank name and 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 branch
The branch is located at C.S.NO 868, TP 6, FP 264/P , SHRI JAI MARUTI COMPLEX,UDHANA DARWAJA, RING ROAD,NEAR GUJRAT SAMACHAR PRESS, SURAT DIST.-SURAT (GUJARAT) 395002, which puts it inside , the broader district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “The Nasik Merchants Cooperative Bank Limited branch” — the verified location pin for IFSC NMCB0000044 should appear at the top of the results.
- Confirm the branch is open by calling 2631670 before stepping out, especially around public holidays.
- 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 NMCB0000044 and your account number.
Verifying IFSC NMCB0000044 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm NMCB0000044 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2631670.
- Visiting the bank's official branch locator page.
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 branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC NMCB0000044, however, work 24x7.
Branch address & contact
The Nasik Merchants Cooperative Bank LimitedBranch
C.S.NO 868, TP 6, FP 264/P , SHRI JAI MARUTI COMPLEX,UDHANA DARWAJA, RING ROAD,NEAR GUJRAT SAMACHAR PRESS, SURAT DIST.-SURAT (GUJARAT) 395002
, Gujarat
Phone: 2631670
IFSC: NMCB0000044
Frequently asked questions
Is IFSC NMCB0000044 the same for all accounts at branch?
Yes. The IFSC NMCB0000044 is shared by every account held at The Nasik Merchants Cooperative Bank Limited's branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using NMCB0000044 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The Nasik Merchants Cooperative Bank Limited – reflect within 30 minutes.
Is IFSC NMCB0000044 valid for NEFT and RTGS?
Yes. IFSC NMCB0000044 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of The Nasik Merchants Cooperative Bank Limited branch?
You can reach the branch at 2631670 during regular banking hours.
Does The Nasik Merchants Cooperative Bank Limited branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2631670 to confirm.
Can I use IFSC NMCB0000044 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC NMCB0000044 to send funds instantly.
Summary
The IFSC code NMCB0000044 belongs to The Nasik Merchants Cooperative Bank Limited's branch, located at C.S.NO 868, TP 6, FP 264/P , SHRI JAI MARUTI COMPLEX,UDHANA DARWAJA, RING… in , GUJARAT. 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.
