Nav Jeevan Co-operative Bank
SIRU CHOWK BRANCH BRANCH
+912512721051
Understanding IFSC Code: The Digital DNA of Nav Jeevan Co-operative Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the SIRU CHOWK BRANCH
branch of Nav Jeevan Co-operative Bank, the code NJBK0790002 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 NJBK0790002 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"NJBK" represents Nav Jeevan Co-operative Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for SIRU CHOWK BRANCH
Payment Systems Supported by NJBK0790002
| 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—400082458—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 Nav Jeevan Co-operative Bank in ULHASNAGAR typically follows the RBI holiday calendar. Digital transfers via NJBK0790002 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 NJBK0790002 is the valid code for SIRU CHOWK BRANCH at ULHASNAGAR, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
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Financial Tools
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Branch Context
- • SIRU CHOWK BRANCH Contact
- • Address of Nav Jeevan Co-operative Bank
- • MICR Code Finder
- • MAHARASHTRA Banking Circle
Platform Links
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- • SEO Performance Hub
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- • IFSC Finder v2.0
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