Nainital Bank
KOTDWAR BRANCH
+911382227443
Understanding IFSC Code: The Digital DNA of Nainital Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the KOTDWAR
branch of Nainital Bank, the code NTBL0KOT055 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 NTBL0KOT055 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"NTBL" represents Nainital Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for KOTDWAR
Payment Systems Supported by NTBL0KOT055
| 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—246184802—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 Nainital Bank in KOTDWARA typically follows the RBI holiday calendar. Digital transfers via NTBL0KOT055 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 NTBL0KOT055 is the valid code for KOTDWAR at KOTDWARA, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • Nainital Bank Branch List
- • KOTDWARA IFSC Codes
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Financial Tools
- • GST Calculator Online
- • Personal Loan EMI Calc
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Branch Context
- • KOTDWAR Contact
- • Address of Nainital Bank
- • MICR Code Finder
- • UTTARAKHAND Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
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