Nainital Bank
MAHANAGAR, LUCKNOW BRANCH
+915222387281
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 MAHANAGAR, LUCKNOW
branch of Nainital Bank, the code NTBL0LUC041 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 NTBL0LUC041 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 MAHANAGAR, LUCKNOW
Payment Systems Supported by NTBL0LUC041
| 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—226184003—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 LUCKNOW typically follows the RBI holiday calendar. Digital transfers via NTBL0LUC041 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 NTBL0LUC041 is the valid code for MAHANAGAR, LUCKNOW at LUCKNOW, 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
- • MAHANAGAR, LUCKNOW Contact
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Platform Links
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