This page lists the IFSC code, branch address, contact number and fund-transfer information for The Navnirman Cooperative Bank Limited, KOBA branch in GANDHINAGAR. The 11-digit IFSC NVNM0000016 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with The Navnirman Cooperative Bank Limited at the KOBA location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 Navnirman Cooperative Bank Limited – KOBA is NVNM0000016. The first four letters NVNM are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000016 map to this branch in GANDHINAGAR, GUJARAT.
Bank profile
The Navnirman Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Koba branch — IFSC NVNM0000016 — extends the bank's services to customers in and around Gandhinagar, Gujarat.
About the Koba branch
The Koba branch of The Navnirman Cooperative Bank Limited is situated at SHOP NO 3 AND 4,KESHVAM DREAM HEIGHTS,K RAHEJA ROAD,KOBA ,GANDHINAGAR,382421,GUJARAT. 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 NVNM0000016 is used.
Branch details at a glance
| Bank Name | The Navnirman Cooperative Bank Limited |
|---|---|
| Branch | Koba |
| IFSC Code | NVNM0000016 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHOP NO 3 AND 4,KESHVAM DREAM HEIGHTS,K RAHEJA ROAD,KOBA ,GANDHINAGAR,382421,GUJARAT |
| City | Gandhinagar |
| District | Gandhinagar |
| State | Gujarat |
| STD Code | 0 |
| Phone | 0 |
Why every The Navnirman 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 KOBA of The Navnirman Cooperative Bank Limited — its own 11-character IFSC. The code NVNM0000016 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 NVNM0000016 the same way you would treat your account number — verify it once and save it carefully for future use.
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 NVNM0000016 and the account number together uniquely identify the Koba branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC NVNM0000016
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 NVNM0000016 across all three.
NEFT to The Navnirman Cooperative Bank Limited, KOBA using IFSC NVNM0000016
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 NVNM0000016, and confirm that the system picks up The Navnirman Cooperative Bank Limited – KOBA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KOBA
If you need to transfer ₹2 lakh or more in one go to an account at The Navnirman Cooperative Bank Limited's KOBA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC NVNM0000016 while initiating the transfer and the credit will appear within minutes.
IMPS to The Navnirman Cooperative Bank Limited KOBA (IFSC NVNM0000016)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC NVNM0000016 in your mobile or internet banking app, and the money is credited to the KOBA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC NVNM0000016 for The Navnirman Cooperative Bank Limited – KOBA, 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 – NVNM0000016 | Yes – NVNM0000016 | Yes – NVNM0000016 |
For most retail customers crediting the Koba 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 NVNM0000016
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 Navnirman Cooperative Bank Limited – KOBA is still mapped to IFSC NVNM0000016. 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 NVNM0000016 and the beneficiary's account number to complete the transfer.
Account types you can open at the Koba branch
Once you have an account at The Navnirman Cooperative Bank Limited – KOBA, the IFSC NVNM0000016 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Koba branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 0.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC NVNM0000016
Online banking and IFSC NVNM0000016
The Navnirman Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KOBA 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 NVNM0000016 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.
Reaching the branch
The Koba branch sits at SHOP NO 3 AND 4,KESHVAM DREAM HEIGHTS,K RAHEJA ROAD,KOBA ,GANDHINAGAR,382421,GUJARAT. If you are travelling from outside Gandhinagar, search for the branch on a maps application using the bank name and locality, or call 0 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 NVNM0000016 and your account number.
Common mistakes to avoid when using IFSC NVNM0000016
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 – KOBA, 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:
NVNM0000016. - 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.
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 Koba branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC NVNM0000016, however, work 24x7.
Verifying IFSC NVNM0000016 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 NVNM0000016 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.
Branch address & contact
The Navnirman Cooperative Bank LimitedKoba Branch
SHOP NO 3 AND 4,KESHVAM DREAM HEIGHTS,K RAHEJA ROAD,KOBA ,GANDHINAGAR,382421,GUJARAT
Gandhinagar, Gujarat
Phone: 0
IFSC: NVNM0000016
Frequently asked questions
Is IFSC NVNM0000016 the same for all accounts at Koba branch?
Yes. The IFSC NVNM0000016 is shared by every account held at The Navnirman Cooperative Bank Limited's Koba branch. Only the account number changes from customer to customer.
What is the IFSC code of The Navnirman Cooperative Bank Limited Koba branch?
The IFSC code of The Navnirman Cooperative Bank Limited, Koba branch is NVNM0000016. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is The Navnirman Cooperative Bank Limited Koba branch located?
The Navnirman Cooperative Bank Limited's Koba branch is located at SHOP NO 3 AND 4,KESHVAM DREAM HEIGHTS,K RAHEJA ROAD,KOBA ,GANDHINAGAR,382421,GUJARAT, Gandhinagar, Gujarat.
Does The Navnirman Cooperative Bank Limited Koba branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 0 to confirm.
Is IFSC NVNM0000016 valid for NEFT and RTGS?
Yes. IFSC NVNM0000016 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using NVNM0000016 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The Navnirman Cooperative Bank Limited – Koba reflect within 30 minutes.
Can I use IFSC NVNM0000016 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC NVNM0000016 to send funds instantly.
How do I add The Navnirman Cooperative Bank Limited Koba as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC NVNM0000016, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code NVNM0000016 belongs to The Navnirman Cooperative Bank Limited's KOBA branch, located at SHOP NO 3 AND 4,KESHVAM DREAM HEIGHTS,K RAHEJA ROAD,KOBA… in GANDHINAGAR, 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.
