Use this page as a one-stop reference for everything related to The Navnirman Cooperative Bank Limited's RANIP branch in AHMEDABAD, GUJARAT. The branch's IFSC code NVNM0000004 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 Navnirman Cooperative Bank Limited's RANIP branch, the IFSC NVNM0000004 breaks down as follows: NVNM identifies the bank, 0 is the reserved character, and 000004 identifies this particular branch.
Bank profile
The Navnirman Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Ranip branch — IFSC NVNM0000004 — extends the bank's services to customers in and around Ahmedabad, Gujarat.
Branch details at a glance
| Bank Name | The Navnirman Cooperative Bank Limited |
|---|---|
| Branch | Ranip |
| IFSC Code | NVNM0000004 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NATRAJ SHOPPING CENTRE, RANIP-NIRNAYNAGAR RAOD, RANIP, |
| City | Ahmedabad |
| District | Ahmedabad |
| State | Gujarat |
| STD Code | 79 |
| Phone | 27530070 |
About the Ranip branch
The Ranip branch of The Navnirman Cooperative Bank Limited is situated at NATRAJ SHOPPING CENTRE, RANIP-NIRNAYNAGAR RAOD, RANIP,. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code NVNM0000004 is used.
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 Navnirman Cooperative Bank Limited's RANIP branch came to be assigned the code NVNM0000004.
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 NVNM0000004, money simply cannot be routed to the RANIP branch electronically.
Products and account variants supported
Every account opened at the Ranip branch is mapped to IFSC NVNM0000004 on the RBI payments network. The branch generally supports the full retail product catalogue of The Navnirman 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 NVNM0000004.
Products and services
Customers walking into the Ranip branch can access most of The Navnirman 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 NVNM0000004
How to transfer money using IFSC NVNM0000004
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 NVNM0000004 across all three.
NEFT to The Navnirman Cooperative Bank Limited, RANIP using IFSC NVNM0000004
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 NVNM0000004, and confirm that the system picks up The Navnirman Cooperative Bank Limited – RANIP. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to RANIP
If you need to transfer ₹2 lakh or more in one go to an account at The Navnirman Cooperative Bank Limited's RANIP branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC NVNM0000004 while initiating the transfer and the credit will appear within minutes.
IMPS to The Navnirman Cooperative Bank Limited RANIP (IFSC NVNM0000004)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC NVNM0000004 in your mobile or internet banking app, and the money is credited to the RANIP branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Ranip
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 NVNM0000004:
- 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 RANIP is still linked to IFSC NVNM0000004.
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 Navnirman Cooperative Bank Limited's RANIP branch, the IFSC NVNM0000004 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 NVNM0000004
The Navnirman Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the RANIP 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 NVNM0000004 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 Navnirman 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 NVNM0000004 and the account number together uniquely identify the Ranip 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 NVNM0000004
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 Navnirman Cooperative Bank Limited – RANIP, 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:
NVNM0000004. - 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.
Reaching the branch
The Ranip branch sits at NATRAJ SHOPPING CENTRE, RANIP-NIRNAYNAGAR RAOD, RANIP,. If you are travelling from outside Ahmedabad, search for the branch on a maps application using the bank name and locality, or call 79-27530070 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC NVNM0000004 and your account number.
Verifying IFSC NVNM0000004 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 NVNM0000004 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 79-27530070.
- 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 Ranip branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC NVNM0000004, however, work 24x7.
Branch address & contact
The Navnirman Cooperative Bank LimitedRanip Branch
NATRAJ SHOPPING CENTRE, RANIP-NIRNAYNAGAR RAOD, RANIP,
Ahmedabad, Gujarat
Phone: 79-27530070
IFSC: NVNM0000004
Frequently asked questions
Can I use IFSC NVNM0000004 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC NVNM0000004 to send funds instantly.
How quickly will an NEFT transfer using NVNM0000004 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The Navnirman Cooperative Bank Limited – Ranip reflect within 30 minutes.
What is the IFSC code of The Navnirman Cooperative Bank Limited Ranip branch?
The IFSC code of The Navnirman Cooperative Bank Limited, Ranip branch is NVNM0000004. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC NVNM0000004 the same for all accounts at Ranip branch?
Yes. The IFSC NVNM0000004 is shared by every account held at The Navnirman Cooperative Bank Limited's Ranip branch. Only the account number changes from customer to customer.
Where is The Navnirman Cooperative Bank Limited Ranip branch located?
The Navnirman Cooperative Bank Limited's Ranip branch is located at NATRAJ SHOPPING CENTRE, RANIP-NIRNAYNAGAR RAOD, RANIP,, Ahmedabad, Gujarat.
What is the phone number of The Navnirman Cooperative Bank Limited Ranip branch?
You can reach the branch at 79-27530070 during regular banking hours.
Is IFSC NVNM0000004 valid for NEFT and RTGS?
Yes. IFSC NVNM0000004 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: NVNM0000004 is the IFSC code of The Navnirman Cooperative Bank Limited, RANIP branch, in AHMEDABAD, GUJARAT. 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.
