IFSC Code of The Nasik Merchants Cooperative Bank Limited, Branch, Maharashtra

If you are searching for the IFSC code of The Nasik Merchants Cooperative Bank Limited, branch in , MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is NMCB0000077. 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 branch, and detailed step-by-step guides for using the IFSC NMCB0000077 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.

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 Nasik Merchants Cooperative Bank Limited – is NMCB0000077. The first four letters NMCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000077 map to this branch in , MAHARASHTRA.

About The Nasik Merchants Cooperative Bank Limited

The Nasik Merchants Cooperative Bank Limited operates a wide network of branches across India, including the branch in . Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, NMCB0000077.

Branch details at a glance

About this branch

The branch is located at AT POST CHANDORI, TAL DIST NASHIK. 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 NMCB0000077 is used to identify this branch on the RBI payments network.

Why every The Nasik Merchants Cooperative 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 of The Nasik Merchants Cooperative Bank Limited — its own 11-character IFSC. The code NMCB0000077 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 NMCB0000077 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 branch is mapped to IFSC NMCB0000077 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 NMCB0000077.

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 NMCB0000077

How to transfer money using IFSC NMCB0000077

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 NMCB0000077 across all three.

How to use IFSC NMCB0000077 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).

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 NMCB0000077.
4. Confirm the bank name auto-populates as The Nasik Merchants Cooperative Bank Limited and the branch as .
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

If you need to transfer ₹2 lakh or more in one go to an account at The Nasik Merchants Cooperative Bank Limited's branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC NMCB0000077 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Nasik Merchants Cooperative Bank Limited – , use IMPS. With IFSC NMCB0000077 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to

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 NMCB0000077:

• 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 is still linked to IFSC NMCB0000077.

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 Nasik Merchants Cooperative Bank Limited's branch, the IFSC NMCB0000077 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.

Online banking and IFSC NMCB0000077

The Nasik Merchants Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the 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 NMCB0000077 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 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 NMCB0000077 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.

Common mistakes to avoid when using IFSC NMCB0000077

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 Nasik Merchants Cooperative Bank Limited – , 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: NMCB0000077.
• 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 branch

The branch is located at AT POST CHANDORI, TAL DIST NASHIK, which puts it inside , the broader district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “The Nasik Merchants Cooperative Bank Limited branch” — the verified location pin for IFSC NMCB0000077 should appear at the top of the results.
2. Confirm the branch is open by calling 0 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 NMCB0000077 and your account number.

Verifying IFSC NMCB0000077 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 NMCB0000077 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 0.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at 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 NMCB0000077 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code NMCB0000077 belongs to The Nasik Merchants Cooperative Bank Limited's branch, located at AT POST CHANDORI, TAL DIST NASHIK in , MAHARASHTRA. 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.