Nishigandha Sahakari Bank
Nishigandha Sahakari Bank IMPS BRANCH
+912186224856
Understanding IFSC Code: The Digital DNA of Nishigandha Sahakari Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the Nishigandha Sahakari Bank IMPS
branch of Nishigandha Sahakari Bank, the code ICIC00NGSBL ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the ICIC00NGSBL Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"ICIC" represents Nishigandha Sahakari Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for Nishigandha Sahakari Bank IMPS
Payment Systems Supported by ICIC00NGSBL
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—413868151—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The Nishigandha Sahakari Bank in PANDHARPUR typically follows the RBI holiday calendar. Digital transfers via ICIC00NGSBL for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While ICIC00NGSBL is the valid code for Nishigandha Sahakari Bank IMPS at PANDHARPUR, ensure the beneficiary name matches perfectly in your mobile banking app.
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Branch Context
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Platform Links
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